<prompt> Human: Im currently a 20 year old female student in college. Im pretty good about saving money. I have a job at school that pays me pretty well. I also interned this past summer. I have around 9.5k in my savings, with another 5k in a separate account specifically going to be used when I graduate and am looking for rent, etc.. I also have about 2.5k in the stock market I dont know much about the stock market, I was just given shares as gifts when I was a baby.Im pretty proud of myself because a lot of my friends and other students my age blow all of their money constantly on alcohol, expensive concerts, etc. However, the problem Ive been having lately is that I hate spending money, and because of this, I feel like I am limiting myself on fun things. For instance, my favorite music artist is coming to play near me in the summer, and decent tickets are around 200. I know I can afford it and Id really love to see him, but I feel guilty because the experience would only last for about 2 hours. I do splurge here and there. Last week for Christmas, I went to NYC for 2 days with my boyfriend. We stayed at his friends apartment to save money, and we went out to eat a few times. I probably spent about 150 between the train tickets into and out of the city, subway fares, and food. But I still feel unsettled when I spend my money.Growing up, my mom has always been conscious about money. Though she has a very good job, she is careful where she spends. For instance, when we were younger, instead of buying herself new clothes because hers are years old, shed buy my sister and I new clothes for the holidays, school supplies, etc. Shes always felt bad spending money on herself because shed rather spend it on my sister and I for necessary things. But dont get me wrong, if my sister and I wanted something we didnt need, we would pay for it. This is still the case.I guess Im just looking for advice on how to get out of this mindset where I feel guilty for spending money. I clearly have enough but I feel like I shouldnt touch it because I may want it in a few years when Im trying to buy a car or furniture for an apartment. Also, it was just the way I grew up. Has anyone else ever felt the same? Thanks in advance.  <response>: The age old saying pay yourself first goes a long way in getting rid of that guilt when spending on yourself. If youre saving some of your income each time you get paid from your job at school and have your monthly expenses accounted for, then you SHOULD spend some money on yourself. By all accounts it sounds like you are doing very well for someone who is 20 in college. Just remember if you are saving money each time you get paid, then you deserve to enjoy yourself in moderation. 