[JavaBrewer]

Admittedly my wife and I fell into that trap 30 years ago, living above our means. We had young kids and indulged on family trips, nice lifestyle, and building memories. I finally go serious about investing and 401k with employer contribution about 15 years ago. Despite having a paid for home and no debits we will be living pretty damn frugal in our 70’s which actually does not sound that bad.