What do you do when you have no big material desires left? When you already have a monetary safety net that will serve you in case of an emergency? Your bank balance will grow, but most of it will only go towards your retirement plan. Retirement and emergencies are both future possibilities. You will save your money for a possibility. This will definitely ease your mind. A minimum amount of security and safety is essential in order to not feel anxious about the future. So let's say you have this fallback money (which doesn't have to be enormous) and you...