If you are having any kind of issue with this, please consider doing it. I have this background as well. I am not used to large paychecks or even financial stability. I often freeze when spending that makes my life better. Recently I bought a window air conditioner unit that helped my sleep tremendously. I don't even notice the $300 gone but I've gotten energy back that I didn't know I had. I've tried other things for sleep but this one was the most significant. There is a cost for not deploying your resources too.