I often feel like in a pursuit to be financially independent we end up being too much frugal. Like we don't spend much at all and continue to HODL. Sometimes life is meant to be lived, spoiled and enjoyed. And we need to have some goals or priorities for items to buy or spend. If we don't do that and HODL too much but get old, we would be forced to do charity. This is one reason each year you have to spoil yourself in a margin. I said margin because if its not there we may end up affecting our savings. What do you think?