<prompt> Human: 24m with 90k salary. Im putting away 1k each month for retirement and live below my means on most things aside from restaurants and entertainment. I have no debt aside from student loans which I pay more than double and I have 12 months emergency fund.I have an easy 400 each month that I could cut if I were more disciplined but it is hard to since I know I dont have to... But I know that life wont always be so cheap when a kid happens or other big expenses come up. Id like to set myself up for success when those events happen but knowing Im doing well enough seems to hamper good decision making. Any strategies for moving past this? I think it may just be auto-deductions before I see the money so I stop spending it on small things. I just want to do the best I can and not look back wishing I had saved instead of buying some stupid gadget that now means nothing.  <response>: You could start slowly ramping up your savings automatically, transfer money straight from your paycheck to a savings account that would take 2-3 days or so for you to access and transfer money from. That could help you put off making a purchase of the latest gadget you dont really need.Other than that, you just need to determine what is really important to you and what is just nice to have. What about planning instead to go on a long vacation to Europe instead of buying a tablet and a new pair of headphones when you already have a perfectly usable one? Obviously thats just an example, but the point is to have goals and a make a plan. Retire early? Own a boat? Own a vacation home? Its up to you. 