Reply to How do you balance saving money (for security) vs. spending money (to enjoy life before you die)?

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Reply to "How do you balance saving money (for security) vs. spending money (to enjoy life before you die)?"

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[quote=Anonymous]On paper, DH and I are absolutely doing "very well" though perhaps by DCUM standards not "amazingly" - plenty saved for our age (retirement, 529s, brokerage), well-insured (life, disability, umbrella), and a nest egg coming from my parents and DH's parents that will help us out tremendously (but we'd be okay without, too).

Our income recently tripled in the last 3 years.  We increased our savings by a lot, but we've also increased our spending by a lot.

On paper, I should feel JUST as secure as I did before our income increased IF NOT MORE.  And yet, I don't.  I felt better when I had to work hard to save XYZ, and now saving 3 times XYZ is actually pretty easy (since our spending also increased by about 3).  I feel like if it's this easy, I must be doing it wrong.  I must not be saving enough.  Because it ought to hurt to save a little bit, right?

Also, I feel uncomfortable spending so much money.  I feel like a fraud.  I feel guilt.  But I also don't want to stop because, well, money buys nice things and experiences.

DH is pro-spending because, as he says, our kids are young, and we might as well put the money towards help around the house, regular date nights, and family vacations, because 10 years from now we won't be able to go back in time and have more time with our kids or with each other.  I'm sure I'm buying more crap, but mostly we're trying to spend on experiences and conveniences.

But I feel so guilty spending.  I feel like our income tripled, and we should just SAVE IT ALL, right?  That's what the responsible person would do?  Save until they die?

Ugh.

How do you balance this?[/quote]

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