Please help me, my income is high enough to spend money on e.g...

deflation doesn't eliminate work from society retard, it just makes people think more carefully about spending money. it's only bad for the economy in case of competing currencies. than the economy that inflates its currency more wins.
if global deflation brought economy to a halt, nobody would ever buy tech stuff. that shit is always deflationary, you'll be able to buy much better tech in a few years for less money.

>how do you set aside x amount of money for a phone when one you really want might come out in 3 months and cost $2,000? or maybe you get into a social group / start dating some girl that needs expensive clothes
Not gonna happen, not sure if I got my point across but what I mean is stuff like:
>My phone keeps crashing but I keep putting off spending like 300 bucks on a new one
>I own one pair of jeans and I keep putting off buying a second pair for like 30 bucks
I don't have consoomer desires, there's stuff that I need but I'm too scared to spend even fairly small amounts of money on.

ok then you have issues see a shrink. but not an online one if you're frugal, those don't worth their money.

or rather ask it on /adv/, but with background about yourself cuz u gave us pretty much nothing. there must be a reason why you're like this. poverty in childhood? overly frugal/narcissist parents who planted this in you? you should be able to buy shit you need. think about the advantages of a good phone. it saves you time. people notice it. etc. etc. essential stuff brings you money.

I saw one for anxiety and depression and I used to be much worse, this is one of the few issues I have left and it's fairly small relative to what I used to be like
Please I just need help structuring my spending so I don't feel guilty about buying stuff I need but also don't spend too much money

BUT if you really feel bad about buying that phone / jeans do NOT force it on yourself. you need to change and eliminate your issues from the inside. if you force shit on you just because it seems like you're being irrational, it will bite you back with vengeance. self-inspect until you change and are satisfied with your spending habits without having to force yourself to part with money.

>2k phone
>expensive clothes for social roastie club
Dont listen to that faggot unless youre in high school, a nigger, or retarded. I have no car, a $100 phone and just 2 outfits none of which are brand name. If you see me in public you couldnt tell I had money by looking at me yet my portfolio is large enough that I never have to work ever again. Flaunting is for literal niggers. People that dont understand value are niggers as well.

/adv/ gives terrible advice
When I was a kid my dad always went after sales to save money but he also hoarded food and our fridge always had rotten food in it because he bought too much. He spent money on luxuries once in a while though, when he could afford it.
My mom got into debt because she kept buying shit she couldn't afford

the counterfactual to your faggot mind is: look at the buildings built when gold was a thing....now look at the faggy cardboard cucksheds built now...
One were built to last, built with stone....the later are particle board slapped together by spics that crumbles in 5 years.

your ip has been logged and you will be put on "the list". sorry you could've lived in a citadel (smaller unit), but now no. banned.

Don't try to avoid your feeling.
>Try to beat down telling them how poor you are.
>Do not buy anything useless or any kind of luxury product.
A.O.

I feel like my savings account is a curse.
I have like 8k just sitting in it that I don't know what to do with and because I have that money it's really hard for me to judge whether a purchase is "reasonable" and how much money I'm saving up and spending each month.
If it was all just invested like the rest of my money, I wouldn't worry about it. But I'm also scared to invest that much money all at once.

i 100% agree flaunting won't get you anything good desu. i tried (at a very subtle but expensive level) after making it haha. now i don't flaunt at all, but it was worth to see people's reaction to it. it does teach you lessons you will never learn if you never even try.

$100 phone if you have millions is plain retarded tho. but a $20 outfit isn't.

deflation is anti-growth and anti-progress
sensitive boy
>goldbug
explains a lot

>8k
Nevermind just keep saving like you are

I have made a plan.
I will not deposit money into my savings account anymore. I will automatically invest part of it every month until it's down to a reasonable emergency fund.
40% of my income will go towards regular expenses, 30% will be invested, 30% will cover food and "wants": e.g. new phone or clothes. I'll let the leftover money roll over to the next months but I will not allow myself to let it become another savings account or feel guilty for spending it on something I want.
I live in a welfare state, I literally have no reason to have more than one to two month's expenses saved up not in investments because NEETbux would cover rent + food + more.

there are banks that let you move your money to gold and back any moment you want with minimal fees. fiat money is meant to be spent, it is by nature inflationary, so you understandably wary of having it and you should be.

if it's a lot to him he should keep it in (paper) gold at the very least.

maybe your parents didn't have overly sensible spending habits and you're afraid you don't have it either. idk man. maybe planning can work for you. i'm very much against it because i realized the least i plan and the more i go with the flow the better my life is, but it seems like it's not for everyone. so you could give budgeting a try.

>deflation is anti-growth and anti-progress
o look a retard

>if it's a lot to him he should keep it in (paper) gold at the very least
It's not so much that it's a lot, just that it obfuscates how much I can spend with good conscience because I can just move money to and from the account at will and do occassionally do so.

for the record I do have crypto and boomer stock investments in addition to the savings account, it's just the 8k in my bank account that is making it for me to keep track of my spending

how much you can spend is how much money + wealth in liquid assets you have + how much you can take up in loans.
i still think spending should be done by feel and if you aren't satisfied with your intuition for spending you should work on your inner issues.
have you been frugal for very long? it doesn't hurt to be overly frugal for a while and see how far you can stretch yourself. maybe your mind wants to test that, so it can guide you better in the future.

based. work on yourself, it's practically free
also buy gold and silver

I have been frugal since I turned 18, I am 20 now

you're too responsible. spend more worry less.