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PaperclipPerfector  1d ago (text post)   1414 thread views

Small-Scale Question Sunday for January 18, 2026

Do you have a dumb question that you're kind of embarrassed to ask in the main thread? Is there something you're just not sure about?

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Have any of you thought about moving spending forwards vs saving for retirement with seemingly numerous multiple crises coming down the pike in the next few decades?

Thinking: AI Global fertility Global debt (insert other left or right-coded flavored crises here as desired).

Just seems like my desire to put away money for 35 years from now versus making memories with family and friends now has started to decline.

I guess option 1 would be just to cut 401k contributions down to the match level instead of maxing? I've had trouble saying no to the immediate tax benefits, but seems like the move.

Would love cash out refi if interest rates were lower, but not looking to add several hundred beeps to my mortgage.

Just seems like my desire to put away money for 35 years from now versus making memories with family and friends now has started to decline.

I think to answer this question would require significantly more information regarding what the concrete choices you are thinking about are.

My life is set up in such a way that there is very little that I would spend significantly more money on were I spending freely or if I came into a windfall. Like Hercule Poirot, I have enough money for both my needs and my caprices. I don't particularly want anything I can't afford, the odd luxury goods that I theoretically could purchase vaguely disgust me as too extravagant anyway. I have trouble identifying a marginal "live for today" spend I would make if I valued today higher than 30 years from now. If anything I could imagine putting in less time on earning money, but I like my work and wouldn't reduce it given the option.

So like, what are we talking about here? Flying out to visit family more? Going on a vacation? Buying a boat? I don't think the decision is meaningful in the abstract, only in concrete details.

fair - the immediate concrete decision is how much to spend on finishing our basement (ie adding extra fun features) and how much to go on extra nice vacations the next few years (think ski trips with lessons to teach our kids).

Just staring at high 6 figure retirement account balances and wondering if I should be rethinking my allocation of present to future a bit more (early 30s, for reference)

tagging other repliers for visibility: @birb_cromble, @TowardsPanna, @Mihow, @stolen_brawnze

You sound like you're doing well. If you needed permission to finish the basement and go on vacations with your family, consider it granted.

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