There ' s a lot of delay in their guitar work on their last two albums ! <| sep |> Kudos to you . I ' m not saying it ' s impossible to achieve FIRE , just difficult . What you are doing is not easy . Part of the issue is you shouldn ' t really underspend on things like healthcare , which can be pretty expensive with kids unless you have great benefits . Looking again at OP ' s list , I guess what matters is volume . If you eat out at nice restaurants multiple times a week , and take one or two vacations at expensive destinations each year , that gets very expensive . But that may not be quite what you have in mind . <| sep |> Ohhhh . I thought it was supposed to be a bong , but close enough in this context I guess . Thanks fam .