you might as well ask what's the point of insurance if you never wreck your car. I have some nice things, but none of them bring me as much peace as having a deep buffer for unexpected problems. if I learned that I would die in a month, I wouldn't be sad that I hadn't managed to burn all my money.
I am in the same mindset. I take deep satisfaction that I have something substantial to leave to my kids. I don't want to spend it on me. I don't like to travel, and I don't like "stuff." I have a few hobbies but they are not expensive.
>if I learned that I would die in a month, I wouldn't be sad that I hadn't managed to burn all my money.
I'd probably feel that way too. But I have to ask - how much thought have you really given it? I vaguely remember reading a surprising number of posts from HNW people that regretted not trying certain hobbies / activities when they were young enough fully enjoy them. That saying that no one on their deathbed says their biggest regret is that they didn't work harder, is probably a trope for a reason.
