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your being old before you have to be!! go enjoy yourself while you can!! your gonna sit around obsesing your way to early grave.cut it out, go have some fun
this person is being responsible and planning ahead. you are being irresponsible and suggesting that caution be thrown to the winds.
if you wish to live paycheck to paycheck with car repairs being problems instead of expenses, at least let the rest of us be comfortable in our financial security.
There's a line..plan but don't plan and scrimp and save so much that you don't get to live your life today as well. Do it in moderation over many years.
Live below your means and bank the rest is probably the best advice I will give.
Separate your long term savings from your immediate savings. Have several accounts at a few banks. I do but only 1 savings account is for "today" stuff, the others are long term and money goes in but does not come out..does not come out. I've been doing it for years. Hard to start but after a year or two of doing it then it becomes easy and you just do it and have no thoughts about touching it.
Start saving separately early and only put away what you will not touch til retirement. As you get raises and extra money, stash it or some of it in your retirement accounts. Then just watch them grow over the years.
all you can do is what you're doing and hope for the best.
all you have is today anyway. my father dropped dead at 43.
so, you shouldn't spend time worrying too much. live! while you can.
On the other hand some folks don't and live to 94 plus and wish they had done more than hope for the best when they had the opportunity to plan and implement as the OP is wanting to do.
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