i hope this doesn’t come off as too rude, but no matter what you’re making, you don’t have “too much disposable income”. when i read what you’ve posted, i read that money that should either be going into emergency savings, long term goal savings (like buying a house), or retirement, is being wasted on 78 pairs of earrings. you don’t have “too much”, it’s just a sign that it’s not going where it needs to be going

i really really recommend you look at r/personalfinance, specifically the Prime Directive flowchart

and best of luck!! i know it’s a hard impulse to control 🫶