I am not spoiled, we both worked hard for our retirement. We deserve to spend money on our hobbies and whatever else we feel like. We have no debt, we pay off our credit card every month. We are not flashy people, do not go out to eat like many of our friends do several times a week. We go out maybe 2-3 times a year. We buy clothing, shoes, etc., but not from Nordstroms, more like Macy's or Kohl's. I color my own hair, no fake fingernails, I do wear make-up and use good skin products and sunscreen. We live in FL, play golf, swim, go to the gym in our 55+ community. So many activities, clubs, etc., to do here we don't need to leave the community. We live in a golf cart community so we have 2 golf carts and only one car. We really love our life and financial freedom.