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[quote=Anonymous][quote=Anonymous][quote=Anonymous]OP, out of curiosity what do you consider that point?

We are early 30s, have about $1.2M saved and target $100K a year savings. I've been thinking about pulling back and just doing $50K and enjoying life a bit more, but theres a little voice in my head that knows every dollar I put in now is $2 or $3 dollars when I retire. Theres just a huge benefit to suffering through it up front. 
[/quote]

There's also a huge benefit to enjoying your life while you are living it.  I think we do a very good job of saving (I think we save over 25% of our income a year, considering all savings and employer matching), but we also use a fair bit of our income on travel, eating out, plays, gym membership etc. FWIW we are older than you with less put away, and less being put away each year.  I'm planning for retirement, and looking forward to it, but I'm not postponing all my spending/travel/enjoyment til then.[/quote]

I agree. And I could have a lot more saved, but I'm happy to spoil myself here and there while I save for later.

At early 30s with that amount saved, you should be really enjoying your money right now. I hate to be morbid, but what if only one of you is alive in retirement? Wouldn't you want to enjoy that money together? [/quote]

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