There's definitely a big difference between being frugal to get by (stressful) and doing it to hit a 60% savings rate (ie, it's arbitrary). When you have the ch

There's definitely a big difference between being frugal to get by (stressful) and doing it to hit a 60% savings rate (ie, it's arbitrary). When you have the choice, frugal is much easier - or put differenty, it's expensive to be poor. You're spot on about balance being key.