It would be a shame if you were saving up for the future that never came. How many innocent lives were ended in Paris, Mali, Israel etc before they could have spent those dollars on the dreams they had? We never know when we are called to our maker (maybe much sooner then we planned) so we need to have a balancing act. Yes we need a steady path to plan for our future but a couple of detours a long the way will make sure we have some fun if G-D forbid that path is suddenly closed before we get there.