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[quote=Anonymous]Having lived through long-term unemployment and underemployment early in my career, I feel much more of a sense of urgency about saving for the future than I do about having fun in the present. After I reach my personal goals for savings (fully funded emergency fund, max set aside each year for 401k, etc) then I feel more comfortable using what's left over for 'fun', but if it's not a lot then we just find ways to have fun that aren't expensive. I think my personal feelings also come from watching my parents live very much in the moment and fail to save and end up retired and living with stress from not enough income to support the lifestyle that they'd like and no way to improve the situation.[/quote]
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