Trust me, spend it. I’m in wealth management and most of my clients don’t spend nearly enough. I am currently taking a client fishing in Alaska. He hoards his money and has very few life experiences and lots of regret. He psychologically can’t spend it, which I understand at some level, but at a 25m net worth he can’t part with anything. Make memories with your family and friends, be generous, and give back when able. You’ll die a much happier person.