We didn't get this far in two and half years by sitting on our asses. We have worked HARD to build this and we are far from done. When you're worried about money when you retire we'll be heading south every winter.
We have to stop the late night cravings, they will sabotage your weight-loss and fitness goals. Try not to eat at least 2 to 3 hours before bedtime if you do have them use one of these suggestions. Your hard work will soon pay off!