<prompt> Human: I am a 23f who has had to purchase nearly everything in her life after middle school. Car, sports fees, clothes, toiletries, and on to rent, college tuition, EVERYTHING. This made me so financially conscious I felt incredibly guilt spending additional money towards non-financial goals i.e. retirement, emergency savings, and student debt. I discovered all this financial responsibility made me miss out a lot on life. I had some treats such as coffee or going out for a beer, but would say no to nearly all traveling or entertainment or experience purchases over 40. I just obsessively tracked all my dollars and I had extra, Id put it towards a financial goal.Except for one year ago, I decided to save in a bank outside my checkings and I picked a bank that let you have multiple savings that you could title and set up goals. I already put away about 175 each paycheck towards emergency savings already have about 5k here, 400-700 towards student loan debt, and 600 a month towards retirement. I decided to put another savings account titled, Fun Bucket Savings and put about 67 a paycheck in there, with an opening balance of 300. This year I read all my memos from my withdrawal and I must say, each of those experiences were highlights of my year and before this year, I would have justified not going. This year, I had gone on a 3 day cruise to the Bahamas 382, a concert for one of my favorite bands 117, two musical festivals202 and 287, and a flighttrip across the US385! I stayed with friends and family so it was fairly cheap. Since I also budgeting each paycheck, I didnt find any significant spending increases month over month.Sometimes a unintended consequence of financial planning is we forget to live or we forget to budget for the things we like or we feel guilty about it. If you can put aside 20 a paycheck, 100, or whatever, in a savings account just dedicated to having fun, you lose the guilt of any big purchases and you dont forget to live. Even if you may pay off your debt in 4 years versus 3.5, if each of your 4 years gives you more experience than the waiting 3.5 years to finally enjoy yourself, I encourage you to have financial courage to budget some money for you to just have fun!Sorry if this isnt news to anyone or if you dont feel like you have a budget for this at the moment or if Im too young to know better, but this has been personally the best financial decision Ive ever made.EDIT: I use CapitalOne 360 Savings. Its 0.75 interest with I believe up to 25 bucketed saving accounts. TL:DR: The Best Financial Decision I Ever Made - Opened a Fun Bucket Savings account so I remembered to have fun and not feel guilty about it  <response>: It really put it in perspective for me once I figured out where my money was going.Pets? 3.3 of my paycheck goes to them they get top of the line food, vet visits, dentals as needed, toys, etc. I spoil them like crazy and yet in the big picture theyre financially negligible, especially considering that theyre pretty much the best things in the world.When you have a high savings rate you tend to minimize all of those other little costs because theres nothing else left to optimize. Its hard to remember that a couple dollars here and there arent going to break your budget and some things are worth spending some negligible money on.Note - This is directed at people with a comfortable savings rate and decent frugalness. Take this advice too far and youll have a McMansion and a matching set of 50,000 SUVs. 