BigMoneyJim
Thinks s/he gets paid by the post
The point in azanon's post I enjoyed most was the last one:
Now that I have no debt and am still at least 15 years from ER I've struggled with how much to save. I wanted to retire ASAP, but I'm tired of budgeting so tightly. After some thought I realized that I wanted to ER to enjoy myself and have more freedom, so instead of just saving as much as I can over the next 15-25 years I'm going to try to find my personal balance of enjoying myself and some freedom now while still saving for the future.What i'm suggesting though is that what are we all after here? In a narrow sense, yes I know, retiring early. But why? To maximum pleasure of life and/or minimizing pains of life, right? My point was that I think you can get to the point that maybe you can save so much that you're causing yourself more pain now than will be balanced out with the pleasures of retiring that much earlier later for having done so. So.... the trick is finding that right point for you. My guess is, that for most people (except for those that really hate their job), they'll find a sweet spot within the realm of the allowable tax-advantaged savings.