that's a risk you need to weigh. i don't think you should be foregoing any necessities to retire, but you should certainly weigh investments vs luxuries such as vacations or fancy dinners.
like most things in life, it's about balance. i invest enough to give myself a sound piece of mind about my retirement future but not so much that i can't spoil myself with things i enjoy.
i could invest more into my 401k but that would lower the amount of flexible spending i have each month. i know im taking a tax hit by investing that money later (should i not spend it), but the freedom to spend it how i want is worth that to me.
Well I have an account at work, but I'm trying to quit and move cities so I stopped contributing to it, so I can save for the move. ---
Him being greedy is a good thing. That means he'll want to spend less and help us get out of this debt. Gamefreak36