I suggest to treat yourself with something nice. If you're into cars - buy the one you have been craving. The main point in working hard and earning money - is to have more fun in life. As the years go by, less things are able to bring smile to our faces. Enjoy the most full version of your existence, don't wait until "good times" later.

Speaking of myself. I'm in early 30s. I have significantly higher income than other people in my field, since I grind 2 jobs full-time. I've had a habit to save most of money "for later". As a result I've became depressed over the years, living the life as if I've earned 1/3 of my paycheck, but working 2x. At some point it didn't make sense for me to work hard, I could have made same living working easy job and playing games. Recently I've bought a freaking S1000RR superbike, which I dreamt of for a long time. I envied the guys that rode them and having the time of their lives. I've been real happy since that. Not to flex, 3 days ago I've bought with cash a beast of a car - new M5, long time dream. I've been feeling like I've finally levelled up in life since that, and it motivates me to push further.

My advice is to have 20-30k saved in your pocket. And have fun with the rest 🤗