<prompt> Human: Hey PF, Im saving roughly 50 of my post tax income and another 8 pre-tax through my employer-matched 401k. I have a percentage of my income going towards fun money but I often find myself being frugal with food, gifts, etc. My girlfriend has pointed this out as a negative, claiming Im not allowing myself to reward my own hard-work. I have never felt unhappy and my fun fund has never hit 0 yet. At this point I feel like I could be saving even more, I am lucky enough to have minimal monthly expenses. But I may already be over-doing it with my savings contributions. My goal is to be financially independent by age 40-45. I am 23 right nowHow much are you all saving? and where do you find that balance of being frugal ex. I think I could save 100 a month by not treating myself for a coffee every once in a while - but Im already putting 50 of my money away!!  <response>: If FI andor RE is your goal then I would keep doing what you are doing. Spending for the sake of spending is definitely not worth it, that is how people end up owing many thousands of dollars on CCs. 