I generally try to limit my spending to those things that I get a really high return of value from, knowing that most things do not qualify. On the income side,

I generally try to limit my spending to those things that I get a really high return of value from, knowing that most things do not qualify. On the income side, I put a value on maximizing freedom. I don't work backwards from a retirement date to the present, but forwards from the decisions I make today.