<prompt> Human: I am 27. I have 0 college debt left, and am putting 5 company match into my 401k. I am saving for a house, and expecting to need 40-60k for a down payment. I am good with money, and dont foresee issues with retirement, buying 40k cars I dont need, spending 500 on new shoes, etc. But, I am anxious all the time because it takes so long for things to happen. I know I will be safe for retirement but my life will be 75 over by the time I get there. I know I will have a home within 5 years, but what am I supposed to do in the meantime? I dont go out much, dont have any friends, and basically just work, come home, watch tv and exercise, and repeat. I need something to speed up the time to home ownership so that I can start working on projects and pursuing hobbies and having fun.  <response>: My first instinct was to tell you that you were on the wrong thread and maybe other people will still tell you that, but I think that the answer to your question has a lot do do with how people relate to money. Your life isnt going to start when you have all those things--its happening right now! And when you get those things, you will find that you dont actually have more time or disposable income because you just have more responsibilities. Why cant you have friends or hobbies right now? Its great to visualize your future its the key to long-term success--just dont LIVE in the future. 