If you’re spending well below your income and you don’t have anything in particular to save for, then you’ve got a powerful kind of financial freedom. You don’t have the millionaire’s freedom to buy flights to anywhere in the world whenever you want to go, but you do have the important freedom not to have to think about how much individual things cost. It doesn’t matter that something is a bit overpriced. You don’t have to think about how much your gym membership costs. All you’ve got to do is establish the habit of spending, in general, well below your salary. I’m in this position right now.