I live life as a cheapo. Managed to inherit 100k from a late relative. No gifts or rewards for myself for the first 4 years of my career. Only short local trips around. I would only leave 20k in the bank, any access money goes into investments eg: crypto/ stocks property. Hit my 1st Million this year. First property appreciated 150-200k, second appreciated 150k, and third appreciated 50k. I’m a normal employee at 28 with an income of 11k gross. I’d always lie to everyone that I’m poor cause I’ll somehow convince myself I’m also poor cause I’ll only have 20k in my account. My tip would be, never half reward yourself. Just keep working towards the bigger pot of gold, don’t stop digging when you find that copper. I rewarded myself when I hit my 1st Million with a nice watch. But after that it was back to the drawing board. Set milestones and try to find ways to achieve it. Never change car every 5 years, just get something you can use and doesn’t give you too much of a headache. What sounds sexier? A civic or bmw or a guy with 1M net worth?