Savor the View: How to Enjoy Life’s Patios & Rooftops Without Jeopardizing Your Financial Security

When the sun sets just right and a breeze floats through the air, there’s nothing quite like unwinding on a rooftop bar or sipping something cold on a patio. These little luxuries—brunches with friends, summer happy hours, skyline dinners—offer some of the most joyful moments in life. But here’s the truth: you can indulge in them and still be financially secure. It is indeed possible to live well without living beyond your means.

Let’s dig in.

1. What does “Enjoyment” Really Mean to You

Get clear on what makes these experiences special. Is it the atmosphere? The connection with friends? The break from routine? Knowing this helps you prioritize what matters most, so you can spend on the experience, not the excess. Maybe you don’t need the $18 cocktail if what you truly love is good conversation and fresh air.

2. Put It Into Your Budget

Enjoyment shouldn’t be a a guilty pleasure—so make it a line item. Set aside a “fun” amount each month that’s specifically for having a good time. Whether it’s $50 or $250, make it intentional. That way, your lifestyle and your budget are aligned, not in conflict. When you do this, you won’t have to wonder if you’re overspending because you've already planned for it.

3. Prioritize Quality Over Quantity

Instead of eating out three times a week, choose one well-curated rooftop dinner that truly brings you joy. It’s easy to overspend on mediocre experiences. But when you’re selective, you not only save money—you create more meaningful memories. Less can be more, especially when it’s intentional.

4. Mix Luxury with Simplicity

Not every rooftop has to come with a price tag. Host a potluck on a friend’s balcony or bring your own snacks to a public rooftop park. City views and fresh air don’t always require a credit card swipe. There’s something powerful about creating joy without cost—these are often the most memorable moments.

5. Track Your Spending Without Shame

Awareness is your superpower. If you overspend one weekend, adjust the next. Financial security isn’t about perfection—it’s about consistent awareness and adjustments.

6. Keep the Bigger Picture in Sight

Yes, savor the margaritas and enjoy the skyline, but also review your goals and plan regularly. Financial security isn’t about saying no to joy—it’s about saying yes to joy and yes to your future. You don’t have to choose one or the other.

Final Thought:

Life’s patios and rooftops remind us that beauty, connection, and joy are worth celebrating. With a thoughtful approach, you can raise your glass without raising your financial anxiety. You deserve both a good life today and a secure life tomorrow—and with a little planning, you can absolutely have both.

Lana | Financial Coach | LWilliam, Personal Finance Education