[kevmojay]

I agree with your conclusion but for me personally, I am afraid of spending even though I have money to spend. And when I do spend the money, it gives me a lot of anxiety.

I started keeping track of my budget so I can comfortably spend without the stress.

[hello_moto]

I feel like you need a goal or you need some sort of framework to make yourself feel safe.

Say here's just an example (DO NOT QUOTE THIS): Most people don't know how much money they should have for retirement. The FIRE movement suggest Expense * 25 = Your Nest so you can take 4% annually. People don't have to follow the FIRE lifestyle but the calculation itself could give some deadline/goals to keep yourself "sane" because Mathematically it looks "sound" (better than NOBODY KNOWS!).

[allovernow]

Nothing wrong with being extra responsible!