I'm very frugal as well. But I have learned to treat myself here and there. A lot of people are wondering where things are headed, and you're right, it's good to be accumulating assets now while people are focused on what's hot. Thanks for your insight.
Check out the video I posted. In it, I talk about my macro outlook on the markets. https://steemit.com/stockmarket/@cryptomeeks/l7hdncjv
I treat myself sometimes but i usually try not to spend much at all.