Sounds like that’s in your DNA -the frugality. It’s hard to shake that. I’ve never spent more than I’ve earned, even when earning a pittance. It has worked out well for me financially over the past 25 years as it should do for you. I’ve gone from quite a poor working class background to living a very comfortable middle class life purely on the back of that behaviour. Although sometimes I think my time horizon is too far out.. I’m so used to denying myself that I don’t really want anything and will probably end up leaving it all to my kids (who’ll piss it up the walls😆)