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Not giving large sums of money to emotionally distant women who want to ruin my life.
Someone had to say something other than investing!
Investing seriously. Always was taught to see the stock market as a game where you buy and hope it goes up rather than going with ETFs/understanding the connection between price, valuation, and fundamentals.
What things did you start saying no to? And what fixed % are you investing?
Investing
I wish I'd known 401ks were important about 8 years earlier. Nobody told me.
It's never too late to take action. Annuities work as 401k's 403b's... the mostimportant thing is to start.
Once you tighten your belt, it is usually permanently tighter. Ideally, you don't want to die with a huge sum in the bank. You should use what you got and live a little. A neighbor has all the toys, but he goes nowhere pretty much everyday. Retiring super early isn't that great of an idea.