On the other hand, I've had a couple of experiences where I've grudgingly spent money on something, and then felt, "Oh my god, why didn't I do this sooner? It would have helped my quality of life." Not just as luxuries, but in ways that freed me up to feel more productive or healthy.

For instance (all of this assumes you have the money to do so), a bookkeeper for your small business. A CPA for your taxes. A lawn service. A financial planner. A bidet.

It makes me wonder what else like that is out there. Stuff that isn't purely materialistic, but is "worth it" for whatever value if "it" matches your net worth. For perpetual savers, being counseled on how they can spend their money (on worthwhile endeavors) might actually be useful.