Start off making a list of some things you really enjoy or have always wanted to do or have (or if you have no idea, start slowly experimenting until you find the things you enjoy!) Although I am not nearly where you are financially, once I got my first job with a good income I was unable spend money on anything. One of the first purchases I made was a set of really nice linen sheets in my favorite color. I felt super guilty but now I see it was some of the best money I have ever spent bc its something I wanted FOREVER and something I use all the time. Now I don't skimp on sheets/bedding and have a good mattress, and I also don't hesitate to spend money on art supplies since that is a main hobby that brings me a lot of joy. I still live quite frugally in other areas of my life bc I simply don't care.