<prompt> Human: Hey all. I am a married man. My wife is in her late 20s and I am in my mid 20s. We both work as a software developer and have a combined income of 200k. And since we live in a big city, we still have a lot of growth. Conservatively speaking, we can move to combined 300k in next 5 years. We dont have kids yet and we live in a rent controlled apartment for 1500. Basically, we are able to save around 5000 per month. But I have been thinking that since we have enough savings maybe we can start to live luxurious. Yes, this is not even close to afford the million dollar tiny apartments in the city. And maybe it is wise to continue to save up for a single family house in the suburb. And maybe we need to consider the opportunity cost for having a kid when my wife will probably stay at home or work from home for a couple of years. Or maybe I should save up for my startup idea. But just thinking about us making so much money and living in a slum with neighbours mostly making a quarter of what we make made me feel that I am so cheap on my spending. But on the opposite side if I could save every penny that I have and invest those in some places wisely, maybe I can really break through my economy social class. Who knows. What do you think?  <response>: Theres probably some middle ground between living in a slum, and living luxurious? 