<prompt> Human: I am 22 and just graduated from college. I live in Silicon Valley, have a well paying job and am making around 65kyear. I currently live at home, so I am not paying any rent. I pay about 300month for my car payment. Unfortunately, since I live in an area where everything is so expensive and the cheapest house is a million dollars or more, Im having trouble justifying saving my paycheck for long term goals. Im feeling disenchanted with my future because of this. Consequently, I am a bit reckless with spending money on traveling, going out to eat, or getting drinks after work. My mind is kind of in this place where Im like well Ill never be able to afford to own a home anyway, so what difference does one sandwich make?! Maybe its because Im young and having trouble seeing a bigger picture? Any advice would be much appreciated. Thanks!  <response>: what difference does one sandwich make?!Not much. A few thousand small decisions sure will though. the cheapest house is a million dollars So move somewhere cheaper. well Ill never be able to afford to own a home anywaySo youll be renting in retirement. All the more reason to save, as your retirement costs will be higher than those who own. 