This is the right approach. Just keep saving, live without wasting money, and dip into those savings when its really necessary. Life will be good.

I have a story for you. I have no idea if it will help you, but it was important for me in the journey of my "relationship with money".

When I was in my early 30s, because of a project I was working on, I got to meet, hang out, and generally spend time with a billionaire. Not just a 1 or 2 Billionaire, but at the time he was worth about $18B - probably much more now (I won't name him for obvious reasons).

There is lots I could say about him, lots of ways I got to see the world thru him, lots about the family struggles and general legal issues that happen with the mega wealthy....but my most important 'epiphany' came from just pondering how ordinary his life was.

I mean he and I had the same cell phone, we ate the same foods, wore similar clothes, etc. Now none of this was some intellectual surprise to me....I mean I knew that just because a person is wealthy that they don't have some sort of extraordinary existence. But it was more of an emotional epiphany.

I used to leave my meetings with him and ponder all of that. What did it really mean to be rich? I mean like right now at this very moment.....one person has a cell phone, another has a cell phone. One drinks a coke, the other drinks a coke. One sits on a couch in an air-conditioned room, the other the same.

In the moment we call the "present", wealth really doesn't matter at all. Its just numbers on a screen.

Most of the reasons we are driven to acquire wealth are for some future concept. We keep imagining that "one day when I'm worth X, then I will..." but the weird thing is that day never comes. Because we are always just in the "present". The future, as such, never arrives.

I worked for 20 years building a small business (general IT consulting)....as I got better and better clients and made more money, it always struck me how unsatisfying the money actually was. Beyond a nice meal, decent place to sleep, and basic necessities for my family....money is sort of meaningless.

Acquiring possessions is a fools errand. You don't "own" that Ferrari. The Ferrari owns you! When you go to start it in 3 months and the check engine light comes on and the tire is flat, it is you who will be spending the day making phone calls and arranging your time to satisfy the car. You bought a fantasy...but really all that arrived is another thing to break and waste your time on.

I remind myself of this on days when BTC soars or drops, that in the end if you ate decently and slept in a comfortable room, your actual moment by moment existence of life was pretty much indistinguishable from a mega-wealthy person.