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If one did the tracking and found that all is well, things may be fine in the short term. But, after a time, if you don't pay attention, it's easy for items to creep up. The restaurant costs rise, as might vacations or gadgets.

Truth is, if you have a decent saving rate, say 20%, and no debt, except for the mortgage. You, you may decide to stop tracking, it's a great 'early warning' process, but if your balance sheet is heading in the right direction, I'd not criticize the decision to just enjoy that you are on the right track.

If one did the tracking and found that all is well, things may be fine in the short term. But, after a time, if you don't pay attention, it's easy for items to creep up. The restaurant costs rise, as might vacations or gadgets.

Truth is, if you have a decent saving rate, say 20%, and no debt, except for the mortgage. You may decide to stop tracking, it's a great 'early warning' process, but if your balance sheet is heading in the right direction, I'd not criticize the decision to just enjoy that you are on the right track.

If one did the tracking and found that all is well, things may be fine in the short term. But, after a time, if you don't pay attention, it's easy for items to creep up. The restaurant costs rise, as might vacations or gadgets.

Truth is, if you have a decent saving rate, say 20%, and no debt, except for the mortgage, you may decide to stop tracking, it's a great 'early warning' process, but if your balance sheet is heading in the right direction, I'd not criticize the decision to just enjoy that you are on the right track.

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If one did the tracking and found that all is well, things may be fine in the short term. But, after a time, if you don't pay attention, it's easy for items to creep up. The restaurant costs rise, as might vacations or gadgets.

Truth is, if you have a decent saving rate, say 20%, and no debt, except for the mortgage. You may decide to stop tracking, it's a great 'early warning' process, but if your balance sheet is heading in the right direction, I'd not criticize the decision to just enjoy that you are on the right track.