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And by "living" I don't mean food, shelter, transportation, etc., I mean the stuff you wish you'd included in your day to day life when you're on your deathbed reflecting about things. The meaty, meaningful stuff you hope you're going to be able to finally get around to in retirement.
Everyone keeps posting these budget charts with $10K coming in every month and a measly $200 line item going out for junk entertainment, and acting like that's the American Dream, but are you really prepared to live like that for the next 20-40 years?
Surely someone's building a second home by the lake or spinning up a small business, right?
I don't feel deprived...in my 30s I'd say 2 vacations were normal for a year but now in my 40s moved on to more like 3-4/year, that's what I like. If you are denying yourself some reasonable expense and feel deprived I would say make room in your budget to do it. Some people have plenty of unreasonable goals that they could never afford.
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