<prompt> Human: It seems I always deal with a large amount of anexity whenever I go to make a larger purchase buying a slightly nicer fun to drive car because my commute is long, buying new carpet because mine is 20 years old etc. On paper I can afford these things, but when it finally comes down to making the purchase, I normally cant deal with spending the money I have been saving. What do you guys think?  <response>: You are saving money for a purpose. You cannot just save money and never spend it until you retire or whatever the end goal is decades down the line. Life requires money. Being responsible means sometimes spending money on things that help move your life forward. Not frivolous things but needed things. And if you are doing well and have a steady plan thats working out, figure out how much more you can spend on something that you already needed. A car is a great example. You probably need a car to get to work and at some point it makes sense to get a different car. Buying a used car with a monthly payment of 250 may be well within your budget but you may be sticking to your plan better and now its easy to afford the 300 a month to get something nicer you like more newer makes you happier or whatever the reasoning. Its all about sticking to your plan and spending money where you need to and where you know you can. Also, not doing a lot of those large purchases. Hopefully that made sense. 