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Assuming that climate history over the past 400, 000 years continues to repeat its pattern with the nearly electrocardiogram regularity, maybe we should think about enjoying this brief intermission before the next life-unfriendly Ice Age covers much of the Northern Hemisphere with glaciers up to miles thick for the next 90, 000 years.
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Most of this is the cost of enjoying life in the city happy hours, eating out, shopping, parties, sporting events, concerts, cabs.
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What this does is free up money to get your financial house in order and start enjoying the life you envision for yourself in retirement.
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