<prompt> Human: Im married with 2 kids. 68k a year. My wife is very good with money, and constantly hounding me about my spending, and our need to save. We dont have any debt - 2 paid off cars and we rent.While I do worry about retirement, I clearly dont worry enough, because I cant seem to bring myself to tighten the belt and begin saving a cut of the paychecks. I cant see putting 15k into a 401k every year and surviving off the remainder. Cutting back on things like Starbucks, Hobbies, and small purchases seems like I would be diminishing my adult life, for the sake of what, exactly? Scrimping every dime from now to the grave feels like the opposite of living to me.What is it exactly that inspires so many of you to give up so much for something so intangible and far in the future?  <response>: Cutting back on things like Starbucks, Hobbies, and small purchases seems like I would be diminishing my adult life, for the sake of what, exactly?For the sake of not being destitute when youre older...? 