I have been hunting for a thread about freeing up one's spending habits, but can't find it. We have a taken a big plunge and rented an apartment in an Italian city we love though we will be able to spend only half the year hear on tourist visas, and bought a modest grand piano for it ( I am/was a pianist). we had been spending about 63% of what firecalc and i-orp had said we could, and with these stints in Europe will still spend a good 30K less than both of those and our financial advisor at TIAA says we can. I keep having to take a deep breath and remind myself that we have calculated it six ways to Sunday and it is safe. A hard transition from, "Is there any way I can keep from spending this money? Is there any way I can do this for less?" to "We can spend at this level safely and we want to and we won't live forever."