<prompt> Human: Hey everyone. Im new to Reddit, but Im a long time PF reader. I have a pretty good understanding of PF, only have a small car loan, have owned and sold a home, paid off my student loans originally 45k, have a solid start of saving for retirement, and am financially okay. FWIW, Im a Millennial in my early 30s. And heres where it gets a little gloomier . . . lately Ive begun to wonder to some extent about the point of good financial decisions. Is it to design some sort of life that I want to live, have the freedom to do what I want, or something else? I know that when I started paying off my student loans I felt like there was no way out other than through, but now what? Do any of you approach your personal finance with some sort of purpose behind why youre making good financial choices?Edit: Whoa! I just logged back on and thanks for all the feedback everyone. When I started out on the post I was thinking that I didnt really have an end goal in mind for good financial decisions. Even though it has been working out well for me, it seems like some of my decisions were motivated by fear. I think the psychological aspects of money are the hardest part of getting it.  <response>: When I was young, good financial decisions were all about flexibility. Flexibility to travel if I wanted. Flexibility to try working at a start-up that wasnt yet paying employees. Flexibility to quit my job, even if I didnt want to, just knowing that if I needed to I could. Maybe freedom is a better word than flexibility. 