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I have a fairly nice dilemma--I have a secure government job and will get a pension that, while not huge, will be enough to pay all my living expenses and more when I retire, with or without Social Security. I am maxing out my 401K (10% contribution matched at 50%) and Roth IRA, have a few DRIPs that I contribute to monthly, and I'm starting to buy stocks through a discount broker. I have purchased my retirement home, and my tenants are paying for it. I've used Quicken Financial Planner and it shows that even if all I save is the 401K and IRA money, I stand to leave my heirs (nephews and their families, as I am single) more than they probably deserve. :-)

I am trying to decide whether I should just keep stashing money into the stock market, or if I should do something more "frivolous" like buying a cabin on a lake for my family and me to enjoy now and when I retire. Having never been one to be comfortable with a lot of money (I come from a long line of people who have struggled just to get by) I keep wondering what is the point of having this huge pile of cash when I die?

I realize that this is a philosophical issue that I have to work through, but I wondered if all you reasonable folks would have some wisdom to offer.
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