<prompt> Human: Hey rpersonalfinance.Im in a weird predicament. Im completely obsessive over money to the point where its probably unhealthy. I come from a very poor family, who never had any money growing up, and to this day still lacks any funds my mother lives off of SSI. I became money conscious when I was younger, as I wanted to be able to help my family whenever they needed it - which began my obsession with savings. I used to be more uptight with funds, but lately Ive been more lenient with spending. I dont really shop for things with growing up poor, it was never something I was able to do so its not a necessity. My finances are as follows: I make about 2,800 a month, and spend near half. My expenses are as follows: Rent - 625 Utilities - 100 Phone bill for my mother and I - 118 Entertainment and meals - 250 Groceries - 40 Shopping - 40I have zero money invested. I currently use Ally bank and all my money is in savings, at a .99 yield. I try to save at least 1,300 a month, with 1,500 on the high end. Im not sure what the average savings an individual has at my age, and it worries me. I continually feel like Im behind everyone else. Is this factual, or should I just relax because Im fine? Its not with any intent for me to sound ungrateful, as once again, I am simply terrified a situation will present itself where I have to provide an excess amount of funds to assist someone family emergencies, etc.Please tell me Im being illogical, and to not feel guilty about spending money on myself. I have really bad buyers guilt, as I always feel like I could be spending it on my family members because they are not as fortunate as I.Any input would be amazing. Whether its calling me out for being insane, or putting me at ease. Thanks guys.  <response>: You are being illogical. You are so far ahead of the curve its not funny. Thoigh with how much youre saving you might want to start putting half in an IRA and keep the other half liquid. The amount you put in the IRA will be tax freedepending on the IRA 