Based on my experience there are two kinds of people in this situation, people tend to make more savings and even they suffer for themselves as long as they want to secure their future, they lose a lot of time and memories during those times, the other hand are the people keep enjoying while saving they treasure every time their age added one per year. Personally I'm into the second part that I keep saving adding with the use of investment because not all the years of your life you would like to work you want to enjoy more the life and to do it one factor is you must need to become a financial free to don't think every time you go somewhere just to have money.