Money is not the only way to improve life. Instead of widening your margin of profit, widen your margin of leisure. Instead of optimizing for money, … - James Clear

Every action you take is a vote for the type of person you wish to become. No single instance will transform your beliefs, but as the votes build up, so does the evidence of your new identity. This is one reason why meaningful change does not require radical change. Small habits can make a meaningful difference by providing evidence of a new identity. And if a change is meaningful, it is actually big. That's the paradox of making small improvements.

Suffering drives progress.- The source of all suffering is the desire for a change in state. This is also the source of all progress. The desire to change your state is what powers you to take action.
With craving, we are dissatisfied but driven. Without craving, we are satisfied but lack ambition.

Don't sacrifice peace of mind for a piece of luxury.