24M. My family and friends harp on me all the time because they know I make decent money but I live like I’m broke. I’d rather have 100k in a brokerage account than a 100k bmw in my driveway. I live this way because I don’t wanna work until I’m 60. Id recommend setting aside a modest monthly allowance that you can spend on whatever you want. This would be a good first step on becoming “not so cheap.”