comments:
Buy the book or audio book "Die With Zero" and get an understanding of your money over your life span. Spending more when younger is sometimes a "better investment" in your quality of life at that period in your life. You are young, you have time to save and invest, the book is worth a read. https://www.amazon.com/Die-Zero-Getting-Your-Money/dp/0358099765
I'm going to second u/Ruined_Passion_7355 opinion on YOLO, and u/InternationalMight93 take on planning. How I would do it is to find a financial planner (fee only), have the planner map out some financial projections, and figure out what can be discretionary spending once the future is reasonably accomodated for. The rest you can likely spend comfortably. If things change you can adjust. I haven't read this book Die With Zero: Getting All You Can from Your Money and Your Life, but I expect it to say similar things. I'm in my early 50s and spent most of my youth saving because of precarious early career risks. Now I feel I should spend some money on my health+enjoyment, or I'll end up with neither in my old age.