I think that was a thread a while back, and there are some with when to give money away. But for me , when do I spend down some of what I saved. It seems that the saving attitude has gobe into my retirement with me. The money I saved I try not to spend. Even though I can afford too. Is this a common mindset? I know we dont have crystal balls and stuff can go uo, so save for the future. But what if we saved too much? Should you enjoy it while younger or hold on to it untill you really have no need for it? This in itself is a problem. I find that in retirement, I have more of these type questions and stress then when I was working. I think I have more then enough $$$$ , and to leave the kids some, so why cant I get out of the need to save?