system
A chat on subreddit /r/wallstreetbets
human
Just make sure you are living life at every stage! got to know many people who plan a big comfortable retirement just to find out that their able body is gone. 🙁
gpt
It's definitely a balance.  You should pay off high interest debt, then invest what you think is enough for retirement (generally between 15-25 pct, probably closer to 25), and then have fun with the rest.

It's funny, I saw a couple videos a while back where people who are putting money away into retirement every month think they're living paycheck to paycheck, which isn't what that means.

I made a big, stupid purchase this year but it's bringing me a lot of happiness, and I'm still investing, so it's whatever.