Well done. What I like about your approach is that you approached it pragmatically and without judgment. You know what works for you, and what does not. I especially like that (1) you are realistic that a plan for total deprivation is unsustainable (and kinda miserable because, yes, YOLO is a thing), and (2) you did not ignore the long term (i.e. retirement saving). You clearly understand that the greatest investment asset that you have right now is time.