Reminds me of the old joke: "If you had stopped smoking 10 years ago you could afford to be driving around in a Ferrari right now." "Do you smoke?" "No." "T

Reminds me of the old joke: "If you had stopped smoking 10 years ago you could afford to be driving around in a Ferrari right now." "Do you smoke?" "No." "Then where's your Ferrari?" Point is don't sweat the small things. Sure they add up, but you should dedicate a portion of your cash flow towards investments at the start of the pay cycle, not "what's left at the end." Then the rest can be spent on anything arbitrarily with a clear conscious.