I am in the same position. I lived like a pauper for 5 years, saving all my money. Then most of it got wiped out by a medical emergency. Now I just maximize my

I am in the same position. I lived like a pauper for 5 years, saving all my money. Then most of it got wiped out by a medical emergency. Now I just maximize my income and quality of life. I spend way more money than I used to, yet have also saved up about twice as much as I previously had. I do not recommend the "scrimp and save" approach. As always, YMMV.