Money?
What are you going to do with it after you are dead? Life is really very short enjoy yourself now because you never know when something will happen to diminish your quality of life.
Now I am not advocating for someone to go into debt for anything, debt is bad even evil. Personally if I cannot pay for something in cold hard cash I do not purchase it. So take your hard earned money and spend it on what makes you happy, shoes, a new coral, another bigger tank, an aircraft (my passion) or a boat.
When you (we) begin to consider what we spend on something ask yourself what am I getting for my money? When I take a Lady out on a date, I do not care how much I spend when I am out with her, I enjoy her company, the time we spend together and what we are doing at that time.
When I am at my property in Texas or in Caribbean I enjoy the sunrise from my deck with a cup of coffee in the morning, when I work on my tank (soon to be tanks) I am enjoying myself, the care and effort I put into creating the best environment possible for the creatures under my care.
When I take my twin turboprop aircraft somewhere I enjoy the challenge of flying a complex aircraft and after 40 years of flying I still get a thrill when I leave the Earth.
Life is so very, very short, stop questioning what you spend on something anything that makes you happy or gives you enjoyment. Simply enjoy what time you have because there will come a day when you cannot and all you will have is the memory of things that you did.