Read "Your money or your life". There is an interesting exercise there where you work out what your time is worth to you and what your employer is paying you fo

Read "Your money or your life". There is an interesting exercise there where you work out what your time is worth to you and what your employer is paying you for it (after expenses). That helped me answer this question for myself and I started investing and took time off work. The answer for you will be different. But that's how I got past the "I have cash and that new gadget is shiny, wait why am I not content?" stage of life.