How committed are you to saving enough? Is financial independence a real goal of yours, or just something you enjoy telling yourself?
Be honest with yourself. You’re the only person you’re ultimately accountable to.
If you’re poor in old age, had the chance to change that narrative but didn’t, that’s a YOU problem. You will live with the consequences.
Look at your budget (assuming you have one). Look at it.
You know that there are places that you could scale back. The truth is, your budget is riddled with leaks, excess, and wants.
I could wax poetic about how it’s important to cut back on your expenses, increase your savings rate. I could do that, but I won’t.
Let’s be honest, none of it would matter because it’s me telling you, not you who’s deciding to do so. Deciding to do so and then asking me how best to go about it.
Ultimately, that’s what it will come down to. Do I want financial independence? Could I live without these things? Could I save more money?
Yes, I could. But I don’t want to.