I know a lot of people I work with that have really good incomes that aren’t putting anything in their retirement. They have $200k in student loans, $400-600k in houses, $100k in car payments, take frequent expensive vacations, buy tons of toys like atvs/sxs, boats, jet skis, etc... I’m getting to the point where I’ve been hammering away at my retirement and I don’t really care about it anymore. I’d rather have fun playing now while I’m young enough and healthy enough to enjoy doing the things I really want to do.
I believe most Americans live this way. Their income dictates how much they can blow. Time is valuable to me, I’m saving now to afford as much time as I can buy.