You have enough but you're too afraid to ever spend it

This is worth examining, because a fear of spending amid plenty is its own quiet prison. Reason asks three things: what is the money actually for, since a sum only ever saved and never used yields you nothing and is barely yours; see that not spending is also a loss — the life underlived, the days spent instead of the replaceable money; and give yourself considered permission to use what you have on what genuinely matters. This is not recklessness but the completion of prudence, which exists to serve a good life, not to prevent one. Let the money finally do what it was gathered for. What would you use it for, if the fear let you?