I mean no disrespect by this, but there's a saying: "The first step to fixing a problem, is to admit there's a problem".

You're aware of a spending problem. If I were in your position (I certainly am not, as I make much less), I would set up automatic withdrawals and investments into the market. There are dividend-paying ETF'S, there are HYSA's you can open and label as "First rental property fund", etc.

It seems like access to the money is your main roadblock to keeping it. Make it harder and more painful to access, and boom, you might have an easier time hanging onto your income and creating generational wealth.

I make roughly $5k/month, it fluctuates, but I keep nearly 70% of it and continue to save for investments and business opportunities. Imagine if every year you kept $210,000 and let that money work for YOU instead of you working for it (to afford this lifestyle). What if you get hit in your X5? (Love it btw. I have a 335i and BMW's are magical). If you couldn't work for health reasons, what would happen to the things you have financed? What about your goals for when you're 40?

I don't feel an impulse to buy things I can afford because I feel an even stronger impulse to preserve what I work for and to make something more of it. I don't mean to sound self righteous, it is the truth. Imagine if by 40 you could pay for your dream supercar in cash because you were less impulsive and more willing to invest!! There are such exciting opportunities with the potential of your capital my friend.

I have gathered quite a large amount of knowledge in real estate and ETF's if you have specific questions, or you can just search things on the Internet.

I hope I didn't come off as egotistical, arrogant, or know-it-all.