<prompt> Human: We all need to decide how much money we want to enjoy now, vs enjoying it at 60. I feel like there are a lot of posts passively bragging about their situation but Im really not trying to do that. Just trying to get input on what others would do in my shoes, knowing that it entirely comes down to personal preference.My situation:2465k incomeno debt, solid emergency fund700month pretax retirement savings250month pretax HSA savingsI just finished off my last debt and am looking at 1k accumulating in my checkingsavings account every month after accounting for all expenses and general walking around money. I thought it would be a good idea to diversify my tax savings and contribute 500month to a Roth IRA. If I did that, I would literally be saving 1500month in general long term accounts. This gives me pause as it is about 30 of my salary depending on how you want to look at prepost tax.As a single guy who is about to turn 25, part of me feels like I should be enjoying more of this money today instead of when Im 60. What are PFs thoughts on the idea that you cant take it with you, and there should be a reasonable upper limit to savings?EDIT: Alright, Im sold. Maxing out my Roth IRA it is. Damn you PF, so reasonable sometimes.  <response>: As a single guy who is about to turn 25, part of me feels like I should be enjoying more of this money today instead of when Im 60. What are PFs thoughts on the idea that you cant take it with you, and there should be a reasonable upper limit to savings?Ill say first that my wife and I saved 65 of our take-home pay in 2013, and plan to save 70 this year.The reason is that retirement isnt something that happens at a fixed date of 60. Retirement is something that happens when you have enough money saved to cover your expenses. For us, that will happen around 40-45 depending on the child situation.I really want to be able to spend as much time with my kids as possible, and not having to work is the primary enabler of that.As a single guy making a ton of money, its certainly feasible for you to be financially independent at 35-40 if you manage your money well. Is that something you are interested in? 