<prompt> Human: I see all these posts about saving money. When do you spend it on fun? There are many posts about putting all your money into retirement savings. The biggest issue with this is for me, is that, the money I am putting into savings for when I am 50, is locked away. I want to have fun while I am young. So I am wondering about the people who have enough to put away 100-500 a month matching employer 401k and savings , but not enough to do very many exciting things. What do you do for fun? If all your money is put away, do you not travel? Do you not drive a nice car? Do you not go to concerts?Watching movies and tv shows I have pirated on the internet, albeit free, gets boring after a while. It costs money to go out, into the world, be it travel, concerts, eating, and bars... where do you find a balance? What is your experience? What is your budget for these things?  <response>: How do you afford to have fun? The same way you afford anything: you budget for it. The important thing to remember is that decreasing or limiting your fun fund is the most effective way to pare down your expenses if you have more pressing matters read: debts, more important goals, etc. 