<prompt> Human: Hey everyone, I just turned 30 and it sure came fast. I had this sudden realization that I should be doing more to secure my future and kick some of my unnecessary spending habits. Its not that I feel like I am doing poorly, and I will lay it all out here for you to judge, but I know I need to take a step back on some of my purchases and ask myself is this really necessary?. I truly feel that its the small purchases that add up over time that give me the feeling of not having done enough in my twenties. To pre-face this, I am Canadian and the figures below are in Canadian dollars. I have a 4 year degree in Electrical Engineering and have been in the work force for 6 years. I had on the order of 60,000 in student loans and nothing to my name upon graduation. I paid the loans off in 1.5 years which felt amazing. I currently make 110,000 per year pre-tax. 1237; automatic deduction to the work sponsored RRSP. They match 337; on top of this. This works out to about 1375 per month to that account. I also have an automatic transfer to my TFSA of 200 Bi-Weekly. My financials look like this: RRSP Value: 75,000 TFSA Value: 14,000 Bank Balance: 21,000 Emergency Fund in here Own Home: 150,000 Equity Car: All paid for, current value 18,000 Payments: RRSP: 1375 pre-tax per month TSFA: 400 post tax per month Mortgage: 700 Bi-Weekly Car Insurance: 1500 per year lump sum payment Property Tax: 3000 per year lump sum payment Cell Phone: Company paid Utilities: Spouse covers this stuff. Debt: Just the mortgage With my income, I feel like my savings should be higher, so I am using Mint now to see just where I waste a lot of money. I feel that I am putting a decent amount to retirement, and after my payments I always have an excess, so its been easy to waste it. Has anyone else hit some age and been hit with a desire to take control of your retirement?  <response>: Set a target for post-tax savings rate. 