You guys assume a lot of self-discipline. I see a large amount of cash in my bank account, I'm going to be buying a lot of unnecessary luxuries and some unneces

You guys assume a lot of self-discipline. I see a large amount of cash in my bank account, I'm going to be buying a lot of unnecessary luxuries and some unnecessary necessities (insurance, air conditioner, leather seats for that new car...) But if it's really a necessity, just buy it rather than trying to optimize for that 1% extra income.