<prompt> Human: Im 34 yo debt free, have 6 months emergency funds. It took years of discipline to pay off my loans and build my emergency fund. But now the goals are not as clear and more long term. How do you cope with having nothing but paper money to show for your hard work?  <response>: Watching an entire generation of people my parents age who dont have a dime saved up, and are working back-breaking jobs until they are 65 because they dont have enough money to pay for healthcare...that is a strong motivator. 