<human>: So, I've been around here for a little bit longer than it has been a default sub and I've really started to notice something that I'd like to discuss with everyone here. 

Financial Planning and being frugal are not one in the same. I see instances of people "feeling guilty" for spending money on necessary items like clothing, a place to live, or a car to get to work. You shouldn't feel guilty if it is something that is necessary.

I have been involved in multiple conversations about the purchase of vehicles where people are constantly stating to only buy old used cars, the bare minimum to get by. Same with a place to live, or even avoiding going out on the weekends to save a bit of money.

Planning your finances for retirement and being frugal do not have to be one in the same. The thing about *good* financial planning is that it allows you the things that you want, as well as planning for a good retirement. You can (and should) have your cake and eat it too.

What if someone *wants* to buy a boat? From an investment standpoint it's plain stupid, but through financial planning your goal should be to make it possible with minimal impact on their other goals.

We shouldn't be telling people to change their goals unless they are absurd, we should be attempting to help them achieve the goals that they have whether or not you agree with them.

Can you condense the text into three sentences or less?
<bot>: Financial planning doesn't mean throwing away your life and your enjoyment in order to get ahead on your retirement. It means choosing and attempting to achieve goals that are unique to each individual.