How old are you? Do you have any dependents, a partner, children? Do you have any health issues; what do you do for coverage? What are you going to do in 'n' years when you're older, less relevant and broke?
I too am a saver, and over the past 20+ years we've been suckers. The problem is I grew up as a child when a savings account, essentially a zero-risk asset, paid well over 5% interest. That hasn't been true for a long time, with inflation & taxes grinding away at any marginal gains. I wish I'd financed and leveraged more, not consumption goods but investments. The other problem with being a saver is it's very hard to be one, then flip and be a consumer of your savings. The thing that makes you able to save is also what holds you back from spending. There are a lot of baby boomers who have a lot of assets yet still live very thrifty lifestyles; especially if they grew up blue collar when you could "save yourself rich".
I too am a saver, and over the past 20+ years we've been suckers. The problem is I grew up as a child when a savings account, essentially a zero-risk asset, paid well over 5% interest. That hasn't been true for a long time, with inflation & taxes grinding away at any marginal gains. I wish I'd financed and leveraged more, not consumption goods but investments. The other problem with being a saver is it's very hard to be one, then flip and be a consumer of your savings. The thing that makes you able to save is also what holds you back from spending. There are a lot of baby boomers who have a lot of assets yet still live very thrifty lifestyles; especially if they grew up blue collar when you could "save yourself rich".