<prompt> Human: 26 yo male making 92-97k per yearI currently put 12 of my paycheck into my IRA which has around 27k in it currently. Company matches 5.I also have a 30,000 safety net money market account with PNC 0.8 APY but Ive been thinking of moving to a higher interest rate bank.My question is, after all bills are paid, should I be okay spending the rest of my paycheck? Theres a lot of equipment and tools I would like to buy to start some side projects and do cosmetic work on my home, but I always talk myself out of spending the money. I was totally broke after college and couldnt find a job outside of the food service industry for over a year, so I became very frugal with my money which makes it hard for me to justify spending on things I dont need.Am I in okay enough shape financially to feel okay about spending money on non-necessities?Would I be better off putting my available income towards paying down my student loans more aggressively, adding more to my IRA, overpaying on my mortgage, or adding to my investment fund?  <response>: Imagine you had no student loans, and 3,000 in the bank. Would you borrow 27,000 in order to have 30,000 in the bank? If not, Id either pay the student loans off this week and rebuild your emergency fund, OR start paying off all of your debt if you have other debt. Once you are debt free and investing 15 of your income towards retirement, then you should be savinginvesting for future purchases, like the next car, house down payment, etc. Any extra money after that can certainly be spent for non-necessities, but you need to determine what your long and short term goals are, and where money fits into that.Good luck! 