If you ever find yourself thinking 'I'll be happy when my account has reached $1 million' or 'when I can retire' or anything similar, I have advice. Realize that that day may never come. You don't have the future. All you have is right now. Change your inner dialogue so that you don't always put your happiness some time in the future. Realize that you have to be happy now. If you're not happy now, you won't be happy then. It's great to have goals but stop and smell the roses and appreciate right now