[jandrewrogers]

I know several people who spend 100% of their income, saving none of it. Not because they have poor saving habits but because they've already saved more than they'll likely ever need for a comfortable retirement.

At which point, it actually kind of makes sense to blow your entire income on lifestyle.

[Kirby64]

That’s still not paycheck to paycheck. If you’re spending income on non necessities you could cut back and be just fine.

An aside, if you’re spending 100% of your income on just lifestyle stuff… you don’t to work at all if your retirement covers it.