Sometimes Being an Adult Sucks (kinda gaming related, all finances)

[Opa-Opa]

I suppose I can empathize, but you seem to be living modestly, or certainly not "beyond your means."

If you can find it in your budget: splurge.

I don't know stocks, and I'm forgetting what money smells like.
Yet, I'm going to go out on a limb here and say you have a safety net (be it your savings, or mom and pop's trust fund (if that hasn't dwindled away))

Congratulations on being an adult, and welcome to the wonderful world of compromise.