<prompt> Human: Obviously you dont want to be destitute when you are in your golden years, but isnt it better to enjoy quality of life things and entertainment when you are young? I would rather have a nice bass boat and be in some debt in my 30s than to delay that gratification until my late 60s which isnt even guaranteed that I will live that long. Is there anyone on this sub that agrees with me that you dont have to max out your IRA or 401k? Whats wrong with putting 4k a year into my ROTH instead of 5,500 and using that extra 1,500 to fund a hobby or take a cruise to see more of the world?  <response>: Whats your plan when you need money to live on when 60? Also saving for retirement doesnt mean you dont live life. 