Try to regularly imagine yourself on your death bed, looking back on life. I find that inspires the optimal blend. You don’t want to look back on a life of mindless work, or of fruitless sloth. If old-you would look back happily on a decision, it’s probably the right one.
If I’m thinking about the future and it’ll take just a minute or two, I’ll do it right then. If it’ll take lots of time I’ll put a task on my calendar for another day and deal with it then, then get back to living my life (well, posting memes, but I didn’t come here to be judged). Now planning has a time but I don’t have to think about it until then.
Financially I save for a 401K and have the company match it. Then online off of what’s left over.
As far as doing things, we plan for larger vacations and events out 1 year. If it’s a less costly or time consuming thing locally we plan those by the week or month.
We don’t do a lot spur of the moment. Keeps the cost down and we’re busy enough as it is with 3 kids.
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