My FIL and MIL are retired, no debt, with a six figure retirement income. My FIL bought a brand new, nice, full-size pick-up last year for cash, yet he frets about spending money because he "can't save as much". Hello, you have seven figure stash (and then some), you don't need to "save". You need to do things you enjoy, spend time with people you enjoy, and spend the investment income off that stash without worrying about "saving" half of what you "earn" in a month.
One thing I admire about MMM is that he focuses on saving as a means to live. Unfortunately for him, my FIL is going to die a very rich man but only after living a life of mental poverty.