It is all a case of what you want.. If you are still in the state of mind that what you REALLY want is the big TV and the new truck, then that is what you should work towards, if what yoiu really want is freedom and the time to enjoy your life before you are too old, then you need to take stock of your skills (they are always more than you at first realise) cut out what is uneccessary (also always more than you realise!!!) and start to take time for yourself. Think about retirement by all means, but more importantly, think about getting rid of your TV, that is the most important step – umplug from the consumer machine, you simply don’t need all that stuff!!