Let's examine your dwelling and how it may be effecting your ability to save for retirement.
When I was working, I knew what all of my neighbors did for a living and tended to keep up appearances so that I would be considered a good neighbor.
I don't know, and don't really care, what my neighbors in my retirement community, did for a living... it all seems so irrevelent now...
Now let's take the same parameters from a retirement aspect...
Although some of my neighbors do have swimming pools and/or hot tubs... it is a two minute walk to the recreation center, that has both of these items neither of which I have to check the chemical composition of the water... its done by the community maintenance department.
Are you beginning to realize how the lifestyle you lead when you are working, is totally different than the lifestyle that you will lead when you are retired.
And please don't think that you are going to be reminded of this fact by your financial planner... have you ever met with him or her... with him or her not wearing a business suit... in an expensive office?