It looks like you're young and have the advantage of time ahead of you. All I can do is tell you what it's like to be old (OK I'm 36, ha!) and read about MMM retiring by now, and knowing I've got another 8 years (give or take...) before I can consider myself FI enough to really control what I do with my time... and think "wow, if I had known this when I was in my low 20s, I could've done things a bit differently." It didn't seem like much to spend $10k on a car and let that $300 slip out the window each month (of course I didn't realize how much I could've saved on insurance, too...) but looking back, it all adds up. Cable bills, cell phone bills, car payments, computer parts and video games... all fun things (or payments for fun things) but then I remember my '83 Cavalier wagon and think, geez, some of my most fun times were in that car which cost me $200 plus a few parts! You're on this forum for a reason - to be enlightened, to make decisions most folks aren't wise enough to make. What will you do with that?