<prompt> Human: So Im having a enjoying life vs saving dilemma right now and just looking for advice from older wiser people.About me:27 year old software engineer in Texasowned a home for one year now 30 year loan for 180k 3.875 bought for 190k - currently paying PMI 89 a month. Im at 92.5 LTV.House payment all together with property tax, insurance, and pmi is 1400.Car loan at 4 I owe 4700 and pay 500 a month.Cash - 8kMaking 88k a year. Just got a raise from 76k to 88k and I moved my 401k up from 11 to 20 which puts me just under 18k for the year. Company match is half of the first 8. 401k is worth 35k right now.The dilemma Im having is that currently I dont really have much extra cash every month. Only about 500 when I really watch my spending. And that now Im thinking about all the stuff I could be doing with that money if I didnt put it into the 401k.The raise amount would be about 800 a month extra after taxes - could do a lot of projects on the houseneeds insulation for one actually go on vacations, etc.My plans voya 401k calculator projects me to have 17,000 per month in income from investments if I retire at 65. I have no idea what parameters they use to make that calculation. If its ballpark accurate there is no way Id need that much for retirement. Im thinking about lowering it back down to the 11.To wrap up this long ramble Id just really like to hear from people.. Advice, stories, whatever you got to help me make up my mind. Thanks for reading!  <response>: In about 9 moths youll have a spare 500 a month for house repairs and vacations.You could lower your 401k contribution slightly, but dont pull all the way back. 