Have you ever considered working less? I don't know, perhaps you have mad obligations or you love your work, but I think that most people can live pretty well on less labor. I am currently taking a masters degree (part-time, naturally) and I work at a nonprofit about twenty-four hours per week. I'm not able to save much, sure but trust me- it's MARVELOUS. I go out to play almost every night and almost always have slow, lazy hours in which to meditate, daydream, walk, read, listen to music, learn new things, make new friends, etc.. If it's at all possible for you to do so without becoming poverty-stricken or homeless or something, try negotiating for a lighter workload! Don't live to work. Work (a little)to live! And another thing, you shouldn't talk yourself into guilt for having a good time at your age. Just because a lot of your peers are miserable and boring doesn't mean that you need be as well! ------------------ existence precedes essence