Well yeah that is actually the kicker isn't it.
@Diogenes are you budgeted for a a home with a big garage and a killer car? Or are you just kicking the tires?
Life needs to be sorted out. Grappling with this challenge is hard.
On this forum and elsewhere, we incessantly discuss SWR, IRMAA, asset allocation and the like. How to balance money and life. There is assumption of a certain normalcy of life, a certain balance between paper assets and the physical. Then one mentions, even loosely and glancingly, an alternative scenario, where a person might be in the highest income tax bracket by a very substantial margin, and yet, live like a Rohingya refugee in a tent on the Bangladeshi border. The reaction is somewhere between incredulous and insulting. But it's actually lived reality. Dealing with that lived reality is... well, it is what it is.
Here's the thing... most folks here have families, yes? That means family responsibilities, like having indoor plumbing, so that the Mrs. or the kids, you know, live a dignified life. But if eschewing all of that, one could literally live in a van by the river. Do that for a few decades, and then... one is hit with a realization, that while van-living has certain panache as counter-cultural protest, it is also a bit debilitating and constraining. Then what?
I don't need granite countertops or stainless steel appliances. But I do want a large, tall sheet metal building ("PEMB") with 3-phase power. Maybe a small office and mini-apartment with a toilet, sink and fridge (not all three in the same room). So, the dream is a package deal:
* Solving the "how to I grant myself the liberty to start spending" problem.
* Solving the problem of where and how to "settle down"... mindful of my Barista FIRE job (college professor).
* Solving the real estate problem.
* Solving the knowledge-gap and skill-gap problem.
* Finally, building/buying the dream-car, maintaining it and racing it.