Unsubscribe from allllll the store emails, stay out of the stores, don't browse the sites, and if FB/Insta etc ads trigger you, limit that too. So you're having trouble finding a why? Maybe family vacations, saving for college, a nice and timely retirement, hmmm, what else is good? A home renovation, maybe eventually a new home. A boat? a motorcycle? More date nights? Peace of mind for anything life throws, injury, death, sick parent, global pandemic. If there's no why maybe there's too much money and no spending adjustment needed, lol