I am going to point out something about your spending that you may never have thought of (and may not be able to get out of your mind once I put it there). Have you ever stopped to consider what the "future value" of the money you spent today could have amounted to?

That is, if you'd saved it rather than spent it, what would it be worth as you neared retirement, say in twenty years? For example, let's say you spend $7 each workday for lunch on the job. What if you decided to fast just once a week and save that $7 rather than spend it? You continue to do this once a week for twenty years. Invest it at 8% in your Roth IRA and it would grow to . . . (drum roll) . . . $17,294!