Saving Till The Bitter End

The Rare Item Dilemma: When Saving Becomes Hoarding

In adventure games, players often come across rare, powerful items that provide temporary but significant advantages. These could be potions that double attack power, scrolls that summon mythical creatures, or amulets that grant brief invulnerability. Because these items are so rare, players instinctively want to save them for the perfect moment—a boss fight or a near-impossible challenge. The only problem? That moment never comes. Players are often too brave, too stubborn, or too optimistic, believing they can overcome any fight without using their precious item. So, they finish the game with an inventory full of untouched, powerful tools that could have made their journey easier and more enjoyable.

This same mentality extends beyond gaming into real life—particularly when it comes to money.

The Saver’s Dilemma

Many people pride themselves on financial discipline, living frugally, saving diligently, and resisting unnecessary expenses. This is a great mindset in moderation, but like the gamer hoarding their rare items, some savers take it to an extreme. They refuse to spend money on experiences, hobbies, or even minor luxuries, always telling themselves they are saving for a “more special occasion.”

Like the adventurer who never finds the perfect battle, these individuals never feel a moment is special enough to justify spending. They may delay vacations for years, avoid dining out even when they can afford it, or refuse to replace old clothes despite having the means. Every meal eaten at home seems like extra savings for dining out later—but when that mindset repeats for hundreds of meals, the "perfect occasion" to indulge never arrives.  

The Wine Collector Syndrome

This mindset can also be seen in wine collectors who purchase expensive bottles only to let them gather dust, waiting for an occasion grand enough to justify opening them. Some wait so long that, by the time they are finally ready, the wine has gone bad or their tastes have changed. What was once a treasure now sits unused, past its prime, and unappreciated.

Money is a Tool, Not Just a Trophy

Money, like rare items in a game, is meant to be used. That doesn’t mean recklessly spending on every impulse, but it does mean striking a balance between preparation and enjoyment. After all, what’s the point of working hard, saving diligently, and building wealth if you never allow yourself to enjoy the fruits of your labor?

The key is to find a middle ground. Spend wisely but intentionally. Treat yourself occasionally, whether it's a well-earned vacation, a fine meal, or an investment in your happiness. Just as a smart gamer recognizes when to use a powerful item to make their journey smoother, a smart saver knows when to spend in a way that adds real value to their life.

Know When to Use the Potion

If you’ve been waiting for the right moment to “use the potion” in your own life, consider this your reminder: There will always be another boss fight. Life is a series of challenges and victories, and it’s okay to use your resources to make the journey more enjoyable.

You don’t want to reach the end of the game—your life—only to realize you never used the rare items that could have made it richer, fuller, and more memorable. You cannot take your items or money with you when you die. 

So, take that trip. Buy the good wine. Upgrade your experience when it truly matters. Just don’t let your rare items—whether in a game or in life—collect dust. 

If you found this helpful and would like help budgeting or investing please email me at taylormckeecoaching@gmail.com