I’m in the same boat. One solution I’m toying with… Create a bitcoin wallet and call it “Dream Funds.” This is not for money to pass down to your children. This is bitcoin exclusively to help you escape the rat race. It can fund a future business or be used to learn new skills. Whatever you want. Personally, I am extremely conservative with my money and always feel bad for spending it. For some reason, psychologically, if I separate funds in a different wallet for a pre-determined purpose, I don’t feel spender’s guilt.