Share your insights or perspective on the financial matter presented in the input.

I'm only spending roughly half of what I earn; should I spend more?
Goodness, I wish I could put away half my paycheck. Not to rain on your parade, but a 6-month emergency fund is not quite "very good."  It is the typical starting time frame.  Personally, I would feel more comfortable with a 2+ year fund.  That is a bit extreme, but only because many of us can barely seem to make it around to a 6-month fund.  So, we focus on the more attainable goal. I say you do all three.  Make saving money your priority, but do enjoy some of it; in moderation.  Do not plan on making any big purchases with it, but know that you will eventually be able able to do so.  Money not spent is worthless Idle money is worthless.  Make some -- hopefully -- prudent investments with some of your money.   A small portion of that investment portfolio can/should be in speculative investments.  Maybe even as much as 20% of your investment portfolio, since you are young.  Consider that money gone and you will hopefully be surprised by one of those speculative investments.  That is the crucial point: earmark a small portion of your investment portfolio which you are willing to lose.  However, do not gamble with it.  Research the hot emerging technologies, for example, and find a way to make an investment. So, in summary: You may have more money that you know what do with, right now.  However, that does not mean you need to go out and spend it all.  Trust me, as you get older you will think of plenty of good uses for that money.