In doing so I think I'm driving myself crazy. Like to the point I think I get heart palpitations. I bought a house a few months ago and so far have done nothing to furnish or make it better. I need so many things like window coverings, furniture etc but I'm just too cheap to buy anything. I have so many things I need to purchase like engagement ring, wedding, her student loans, family leave when we have kids, a kid! It's overwhelming. No one understands how I feel. My girlfriend has started to realize she will not be get the wedding of her dreams but a vending machine ring and a courthouse wedding lol. They all say well u can never plan for a kid. We'll no I say bullshit I can because I can save money to take off work for three months and not miss the paychecks if I save now. Sometimes I think I should just forget about about compounding interest and just worry about immediate interests for about two or three years to catch up with what I need to make life better right now. I'm 34 and am already way behind in equity(170k and 352 payments remaining) and 401k(25k) with about a $1000 monthly savings rate.