Spending money on "frivolous" things
I'm 65, retired w a generous state pension and collecting social security. My former employer covers medically whatever medicare doesn't pay. With the exception of a 2026 Honda CRV which I'm paying off over 5 years w a 3.9% financing loan, i have no other fixed expenses beyond insurance, utilities, property taxes, etc. Additionally, I have about $500k in investments.
I have no heirs beyond my sister (61 years old) w various charities designated as backup if my sister predeceases me.
All that to say, I'm sitting pretty. Intellectually i know that but I'm having a hard time letting loose w spending money. I've spent my whole life taking care of myself, depending on noone, and counting on only myself.
Without taking up intensive therapy, how do you allow yourself the freedom to do, see, participate without worrying about tomorrow. I don't want to travel the world but to park in covered parking and not the economy lot. I don't want to dine at Ruth Chris but to purchase a rib eye, not on clearance at WM.
How do I convince myself to treat myself without feeling like im going to send myself to the poor house? How do I justify the extras?