<prompt> Human: Im 18 years old and living at home for college, and ever since I was 8, Ive had really bad paranoia about becoming homeless. I, honest to god, have no idea where this came from. I grew up in a pretty financially stable household with my father being a very financially savvy and hard-working man.When I stopped asking for allowance when I was 14 and always full of shame whenever I would ask, he always told me that hed give me allowance every week if I would simply remind him. But I feel like Im stealing his hard-earned money, despite the fact that hes told me it doesnt make a dent in his financial status. This is the same person whos going to be paying for a huge chunk of my college tuition until I can get my grades high enough to get some scholarships. I have 2500 dollars in the bank right now, and theres a ton of things I have wanted to buy badly, both material things and experiences concert and movie tickets,etc. And every time Im about to make, even a small simple purchase, I just imagine my bank account plunging into the negatives. I find myself saying things like I cant...I dont need that to survive. When I do actually splurge 100-200, its only in the form of buying gifts for people in my family and very close friends. I never regret it, of course. But in the actual moments I am buying the gift, I feel my heart sink until I wrap it up and think about the reaction of the recipient. So, I guess it effects me on the shorter term. Most of the gift buying has been this year, and made my family take strong notice at how much I HATE spending money, especially on myself. Sometimes my siblings will poke fun at me for acting homeless. And my dad even got a bit concerned and told me I should live a little. And I couldnt agree more. I feel really un-thankful and stupid for being this way, and want these fears to stop. I just cant bring myself to live a little without also wanting to save every penny I can get my hands on, But Im more than willing to learn before all of this catches up to me somehow.Thank you for reading this mess, any advice is greatly appreciated.TL:DR- Financially stable, living at home with generous parents, and hates spending money. Feeling like the fear is costing me some fun and will backfire somehow.Edit: These replies have made me realize that I havent even really studied finance, aside from what I learned in school does that even count?. Thanks everyone, for the reality check. Time to take action.  <response>: There is a point where you can be too aggressive and save too much. Have a billion dollars isnt that awesome if you never live your life. 