MrsDinero, you bring up some good questions. I am somewhat torn with my goals. Yes, I would like to retire early, but on my current path I'm still about 21 years away. I figure if I enjoy my current life enough, I won't mind working longer, so that's why I don't cut out all unnecessary expenses, but I do try to find savings where I can. There's no monetary cost to belonging to my curling club, I coach a few hours a month and that covers my membership fee and all drinks/food/events there, so it's just my time and I spend a lot of time curling anyway. I don't know if I could find a way to work off this yacht club membership, but I'd be willing to if it was possible. Right now I'm not trying to find roommates, I think it could maybe save me $250 a month but I currently have a very easy bike commute, a relatively nice apartment, especially for the price, and I really like living alone. I would like a higher paying job, and I have been looking and applying, but no luck yet. One of my issues there is that I currently work only 27 hours a week, with 6 weeks vacation, and I live 15 minutes by bike from my job in a city I really like. The work/life balance I have is great, the only downside is that I need to earn more if I really want to retire early. So if I sound a bit indecisive, lost or confused, it's because I don't know exactly what I want and what I'm willing to do to get there. I'm leaning more towards enjoying my life even if it takes me a bit longer to FIRE, and also being at a point in my life where I don't know if I'll find a partner, have kids, etc. all those things are game changers so 21 years in the future is way to far to plan for. If joining this yacht club means reducing my investments, I won't do it, but if I can transfer some of my "fun" spending there (eating and drinking out that I'd do anyway) and I can reduce other things in my budget, then it would be more feasible.