<prompt> Human: Has anyone ever experienced this thought crossing their mind?Im 22 years old, just got my first job out of college. I am very set on becoming financially independent by the time I hit my 40s.Ive done vast amounts of research, I have allocated money into several funds, basically I know exactly where my money is, what im doing with it, and its working...But at the same time, ive become someone who I never was. I count every single penny, ill look at my accounts online multiple times a day when I know there will no changes, I dont go out anymore, I dont spend money ever unless I absolutely need to.Its kind of scary, and made me think im a hoarder, but not with junk, with money...  <response>: Of course. I think it is all too easy to get caught up into the fear of never having enough money around to use just in case. I certainly am a lifelong member of that club.But while I dont advocate spending money frivolously, I do believe in spending money. Look. Life is about enjoyment, and having fun. It doesnt mean you need to go overboard. But start setting aside some fun money for yourself each month. Use it to go out with friends, buy yourself a treat you didnt need to, but the rule is, you must spend at least some of it, and you must use it without considering the financial consequences. 