By lavish I mean do you spend excessively? At times I say my wife and I do, but we are fairly conservative when it comes to our lifestyle... We have a home with a comparatively small mortgage to most, 1900 sq ft. cape We both drive new(er) cars (Dodge Dakota and Saab 9-3) I enjoy electronics: Surround Sound, HDTV's, Gaming, etc. We probably spend close to 500-600/mo. on entertainment / random items (eating out, things for the house, going to the bar) I save close to 12% of my take home pay into 401(k) and another 5% into savings accounts. She saves about 9% into her 401(k). We have close to 2500/mo after bills left over that normally goes into savings on top of what already goes in there. We don't normally drink top shelf liquor but spend plenty on beer (probably 150/mo or so, but we have friends and family over all the time) She has a clothing / shoe habit, I have a project (house) habit. We shop at Old Navy and Gap and I don't wear a Rolex, but my watch did cost about 700 bucks new... Based on this, am I living a lavish lifestyle? I feel as though we don't live lavishly, but more comfortably. Its a blend between living the life now and later, I feel as though I am at a comfortable spot at this level to retire @ 55 and actually enjoy life and do what I want to do at that point... What about you? Is it worth it?