This is my opinion. I work 45 hours a week. I barely scrape by as it is. I don't live in the nice neighborhood, but I chose to live somewhere where the crime isn't nearly as bad as say where I work, so I have to make sacrifices, so that means my rent is higher, my gas is more expensive (since I have to fill up more often), and my utilities are usually higher as well. I don't get to go to cool vacations, because I don't have the money too. If I did....I would be going to Ireland right about now. I would take about 3 weeks off of work and have a blast.
If you have some extra cabbage available, and you've never done anything for yourself, then go do something. You live once. Leaving something for your family is fine and dandy, but what they will cherish the most are the memories that you made for them. They will recant your stories of the things you did because that's the kind of person you were. What is your family going to say if you choose to go to work and home and that's it? He was a homely person...not really flattering...and oh, I still get out and do things. I play frisbee golf (don't knock it until you try it), I drive to the Smokeys on the weekends when I have some extra money, I get in the car and put my finger on a destination on a map and I go and I have an adventure. That's what you need to do. You need to say **** it...and just go have an adventure for yourself.