<prompt> Human: Im a reasonably good saver. My dad was an insurance agent, and my uncle a financial planner. Im 35, with 173K in my 401K, and another 30K in checking emergency fund, and no debt I rent. My annual income was 100K last year, and due to raisespromotions, Im up to 125K this year.My savings increased as a result. Im currently maxing my 401K, and getting 6 match, for 25.5Kyear there. Another 5500year into my Roth IRA. Another 2400year into my taxable investment account. Thats 33.4Kyear some pre, some post tax, or 26 of my gross income. I feel like I should be well on track to considering retirement at 55, depending on investment success, and what percentage of income I expect to need at retirement. I think I wouldnt be far off expecting 80, given that Im already living on 74.And yet I check PF almost every night. I have read a book a week on personal finance for the past month. Its like paying off my student loans, and getting that raise, have made me infinitely more aware of my savings, and I secretly lust after a new car for no good reason. Are there any tricks to getting over the fear? So that Im not checking my math every other night? Its like I get drunk and instead of doing stupid stuff, I end up doing yet another retirement calculator. Whats the trick to just letting myself buy the car, the TV, etc? Why am I still opening up more accounts, and adding just another 100month to my auto-deductions, hoping to somehow feel like its enough?Assistant: Set it and forget it. Dont let personal finance consume you. Its not your whole life, just a small part of it.Human: That sounds so simple. And yet, Im hoping here for one of a few scenarios.1 RedditPF people saying, over and over, No, youre fine, that sounds incredible, great work, and such, to try and console my fears.2 Actual solid advice on how to just set it and forget it. I know I should do that, but here I am, on PF after midnight... again.3 Other, better stuff, I havent thought of.Assistant: You havent told us your investment choices. What exactly is your fear?Human: I just keep thinking I need to save more, and more, and that I cant afford a TV I dont even own one, and I should keep driving my 2009 car forever I want a stupid status sports fun toy, and so on. I dont even buy clothes most of the time, relying on gifts. It just isnt ... healthy, I think? I just keep upping my savings every chance I get, and I cant calm down.Having said that, what do you mean by investment choices? Ive got the standard smattering of Vanguard funds, the things that my work forces me to use in this version of my 401K, and such. Nothing crazy, standard PF stuff, I think.  <response>: Thats the point of having a budget. Its not just for making sure you save enough, but also about making sure you can spend money on things you want without feeling guilty or letting the spending run away with you.You dont say whether you have a budget or not, but if not then make one. It will allow you to buy things like a TV or a car without feeling guilty about it because you will still be able to see that you are putting enough away and that these purchases are well within your means assuming youve budgeted right. 