I think you need to find a good middle ground. If you can easily afford your wants, you might as well go for it. Some people live their whole lives stingy, "saving for later." Many of those people die that way, it's important to have an end goal to your savings (eg. $12k exactly in my checking account.") If you've met your goals, it may be time to splurge a bit on the finer things in life.
Example of good balance:
1. Take the free BMW
2. Buy a pre-owned Rolex
3. Get a nice pair of shoes, but not $1,000- $500 is an excellent price.
Human nature is to always want more. Once you get that Rolex and a new car, then what? You'll always want to get better and better things, you'll hit the limit one day. Aspire to set goals that are reasonable and you're golden.
Example of good balance:
1. Take the free BMW
2. Buy a pre-owned Rolex
3. Get a nice pair of shoes, but not $1,000- $500 is an excellent price.
Human nature is to always want more. Once you get that Rolex and a new car, then what? You'll always want to get better and better things, you'll hit the limit one day. Aspire to set goals that are reasonable and you're golden.