[Sylvanfan]

For all the flack my generation gets for spending...I really don't know where I can cut my current spending.

I mean I make a decent wage, the only debt I have is 3 more vehicle payments, after which I won't even have that. I don't own a house because the prices in the Okanagan are crazy. I might eat out twice a week, and often thats lunch for my wife and I at a place like Tim's coming to under $15. But seriously I can't come up with the $2000 a month after taxes that I'll require to have enough money saved to comfortable retire 35 years from now for my wife and I. By the time I pay rent and utilities, insure one vehicle for us to drive and feed my family, as well as maintain some of the stuff we own, I don't have that much left over. Since I was 20 years old I put away anywhere between $5000 and $15,000 towards retirement every year until last year, and I'm still short of a retirement goal of stopping work at 60, and having an inflation adusted income of $35000 a year for 30 years.

I mean I guess I could give up my two dogs and save like $150 a month, but that extra $1800 a year in RRSP savings truely represents so little, it's not worth it for me. I don't buy flashy clothes, fart I hardly buy clothes ever and if I do they're on sale, I might play 12 rounds of golf a year. I did pay $325 to play Rec hockey this past year, so I guess I should put that to retirement as well as my $30 slow pitch fees. I don't see the point of living like a poverty level lifestyle so I can save enough to retire at 60. I'll take my chances that I have to work till I'm 75 and at least eat three meals a day, and enjoy the odd thing while I'm still able to.