I really like this advice. I was like the OP for a long time, and my husband pushed me to buy things for me once in a while (we have a rule that I am always welcome to buy yarn because I almost never buy other things). There's an element of "if I don't spend my money, who will?" to consider as well. All that money is useless to you when you're dead, and it's possible you won't be able to travel in retirement like you'd always planned anyway due to declining health.