To spend or not to spend? Do we enjoy life to the fullest and accept what it costs, or do we save for retirement? We can try to build up those retirement coffers still further, but what if we get hit by a bus?
All that parsimony and grinding self-sacrifice might be for naught. Maybe there's a case for instant gratification and then letting the chips fall where they may when real retirement rolls around. On the other hand, if we create a self-imposed Retirement Boot Camp of sorts for at least some period, rigorous discipline for a few years may allow us to eventually have it all.