Thanks for sharing your story. This is something that has been of major concern to me. But there’s almost no way to know if one is doing the right things until later in future except one is outright lavishing. For example. The renovation you did in your house may turn out to be something great down the line.
I think I treated myself to an extent during the bull run, I got somethings I needed and I saved a whole lot more. Do I know if I saved enough? No, could I have saved more? Yes, will I have any regrets? I hope not.

Glad you’ve learnt.

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