<prompt> Human: Id like to bounce some ideas with you guys as me and my wife are struggling with this question. After enduring many years of a rough job market like the rest of the US, we are both finally in a place where we make waaay more money than we need. Not only that but we live in a relatively cheap and awesome city where the higher income does not come with higher cost of living thanks obama. So now we find ourselves wondering what to do with the windfall, now the easy answer is dont spend it and save it but when is saving to much?. we are 30 and while investing in our retirement is smart and we do it we feel theres also current value of money and I dont mean present value i mean 50 as a 30 year old are way more fun than 50 as a 70 year old. We value our travel time and trips, so we thought we can take off on some awesome vacations but even that is not true, we get 20 days off a year and to be honest, staying at fancier hotels does not make us happier. Going to further places may, but thats also a matter of a few hundred dollars more a year. What started this conversation? well, we are looking into moving to a new place, we do not like where we live and feel an upgrade will actually be beneficial. We have narrowed it down to two options. One costs 23 of our monthly net income after 401k, HSA and taxes and the other is 18 of our monthly net income. The difference between the two does translate into thousands of dollars after 12 months. Face this we wonder if we are wasting money by going for something more expensive, the amenities and location of the more expensive place are nicer. Aside for retirement, emergency fund, why else do you choose to go for a cheaper place when it does not affect your bottom line?  <response>: Its your money, you can spend it on whatever you want. But you cant spend it on anything else once you do that.So, choose wisely.The reason you save is so you can spend in the future, to a first approximation. 