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>> As DW and have seen our expenses go down (2 of 3 kids gone now) and our income go up, we've tried to strike a balance between increasing the investment contributions and having more fun, travel and entertainment. <<

Yeah, striking that balance is important. Saving/investing for the future is important, but the landscape is littered with folks who deprived themselves in the present in order to save for a future that they didn't live to see.

A little morbid, I know, but IMO important for perspective.

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