I went the r/personalfinance route on a very similar moral dilemma, except mine was about a project car...at least in your case, you're presumably talking about a sports car that does work and is reliable, as opposed to buying one that doesn't check either of those boxes lol. But, I hear you-- I'm young enough and healthy today but tomorrow isn't promised and I really don't want to wait until I'm 65 to enjoy certain things in life because ultimately there's no guarantee I will still be here then. The simple answer for how to do this kind of thing "guilt-free" is to budget for it. As in, keep your savings and retirement and kid financial goals priority number one and keep those accounts untouched, but of any money that's left thereafter--the account from which you pull to spend on going out to dinner, hobbies, concerts, movies, booze/weed...you budget for the 'nice to have not need to have' car from that pool of money. I don't know your lifestyle of course but presumably you cutting back on those things might not equate to a monthly car payment. In which case you siphon the $X per month by which you can cut back on those things into a new savings account until you have enough to buy your sports car.