<prompt> Human: First of all, none of the financial info here is meant to be showy I know that many on here are in a better financial position than I am anyway. This is a genuine concern of mine. I am 24, working as a financial analyst making 58k a year. I live in a fairly inexpensive part of the country. At this point I have:30k Cash10k Ibonds10k IRA5k 401k - As I have enough cash, I am substantially upping my deferrals in the next pay period to 20, with another 5 going to an ESPP. My car is also worth 7k or so, and I have no debt. That puts my net worth up over 60,000. With 401k match, savings, etc. I expect to see it rise about 2k a month for the foreseeable future. The problem is that I cant bring myself to spend money on wants. Sure, an occasional dinner out, a couple drinks at the bar, etc. But I start thinking about things like a new guitar, a new fall wardrobe this has been causing me a lot of angst recently, or a nice vacation with my girlfriend, and I cant bring myself to spend the money. I beat myself up anytime I spend money on more than minor wants, and Ive gotten to the point where Id rather forgo most any luxury itemsexperiences and watch my balances rise. Does anyone else have a problem with this? Is there a set point monetarily where I can say I have a surplus? I enjoy being frugal, and Im glad that I have landed in a place where I can call myself secure. But there has to be a balance, and I will only be young once. I dont want to look back in 30 years and say you had a shot for some fun, you idiot - what were you doing?  <response>: Go for it. Stop sweating the small stuff but really consider things that will return benefits in the long run. What I value the most:1. A short commute 15 minutes. Bought a rental property near work instead of living at home 45 minute commute I rent out a few rooms and stay in one of them. Still make 500month off it but I could be making an extra 500 if I didnt live there. Totally worth it though. Time is extremely valuable if you are looking to develop yourself.2. Food - you are what you eat and your diet definitely drives your health. Eat plenty of seafood and veggies. Avoid all processed garbage bread, pasta, cereal, sugary crap, etc. and eat real food you cook yourself. I do rpaleo and its made a world of difference. Lost over 30 lbs of pure fat while building muscle.3. Learning experiences - always worth it to take classes or develop yourself. Currently going to start shelling out 150mo on martial arts classes but considering the health and confidence benefits I think its well worth it.4. Vacation - I am always hesitant on this. My family never did the annual vacation so I dont really value this type of thing. I usually just end up going to Vegas once a year since hotels and flights there are quite cheap off season. Just dont gamble much and see the cheap shows and hang out at the pin ball hall of fame :D 