7 things you probably won’t regret spending money on
There was a phase where I treated almost every expense like a problem to solve. Could I get it cheaper? Could I skip it? Did I really need it?
That mindset helped me save a lot of money. But over time, I realised there’s a difference between being intentional with money and being afraid to spend it.
Some of the best money I’ve spent has not made me richer on paper. It has made me sleep better, move better, think better, feel more confident, and come back from life with more energy than I had before.
That changed how I think about FIRE too.
The goal is not to become the person who spends the least. It is to become the person who knows exactly what is worth spending on, and what is not.
Because if every dollar is only allowed to serve your future, you can end up starving your present.
Spend carefully. But spend on the things that genuinely make your life better.
Send this to someone who is great at saving but still feels guilty spending on themselves. Save it for the next time you need the reminder that intentional spending is still part of financial freedom. And follow @RedDotFIRE for more on building wealth without forgetting what the wealth is for.
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Over the years, I have come to appreciate that not every penny should be hoarded or scrutinized endlessly. Some expenses truly enrich life in ways that money can’t quantify easily. For instance, investing in quality shoes changed how I felt during long days on my feet; the added comfort prevented knee and back pain that cheap alternatives exacerbated. The same goes for a good mattress—I found myself sleeping deeper and waking up more refreshed, which boosted my daily energy and productivity. A gym membership I was initially hesitant about turned out to be invaluable. Not only did it support my physical health, but it also became a mental refuge where I could clear my head. This aligned perfectly with the FIRE (Financial Independence, Retire Early) mindset—spending intentionally to serve both present joy and future security. It’s about choosing to invest in experiences and things that foster well-being rather than merely pinching pennies. Books have also been a huge part of my personal growth journey. The knowledge and perspectives I gained through reading directly influenced my financial habits and mindset. Similarly, travel introduced me to new cultures and ways of thinking, which broadened my outlook and helped me appreciate the simplicity and richness of life. Lastly, small indulgences that make you feel good—whether it’s a nice perfume or a comforting coffee—should not be dismissed as frivolous. These little purchases create moments of joy and confidence that ripple into other areas of life. Intentional spending means understanding what’s worth your money based on how it impacts your physical health, mental clarity, and overall happiness. It’s not about being reckless but about balancing frugality with quality of life. When you align your spending with values and well-being, financial freedom isn’t just about saving—it’s about living fully both now and later.
