I’m the same way, and I don’t even know what I’d splurge on if given a bunch of money. I’ve conditioned myself to be happy with less, so any money I get goes to investments, and if I have enough to retire on my current lifestyle, I’d do that and just work on personal projects instead of going to work.

But I grew up in a middle-class household where we always had enough because my parents were careful with money. They taught me to save early on, and I was able to afford some nice things (TV and game console) with the little I earned mowing lawns and whatnot. I had great role models, and I’ve almost never had to worry about money and only needed to go into debt for my house.

I wish everyone had that kind of role model. A little financial discipline can be the difference between anxiety from living paycheck to paycheck and being able to quit your abusive job and get one that respects your time.