As a couple, my wife and I have always prided ourselves on our frugal lifestyle. We’re the kind of people who budget meticulously, prioritize long-term savings, and funnel every spare cent into investments. Our philosophy is simple: live modestly, plan for the future, and build wealth steadily. 😇 But there’s one exception to our disciplined approach — when the crypto market enters a bull phase, we allow ourselves to loosen the purse strings and indulge in a bit of luxury. Here’s why we think it’s not only okay but even beneficial to splurge a little during these times.
The Crypto Market: A Rollercoaster of Opportunity
The cryptocurrency market is known for its volatility, with dramatic bull runs followed by inevitable corrections. For those of us who’ve been in the game for a while, these cycles are predictable to some extent. We’ve learned to ride the waves, holding our investments through the bear markets and strategically taking profits when the market surges. The bull phase, like the one we’re experiencing now in 2025, is a time of opportunity — a chance to realize gains from years of patience and discipline.
During these periods, we don’t just reinvest all our profits back into the market or our savings. Instead, we set aside a portion to enjoy the fruits of our labor. This isn’t about reckless spending; it’s about rewarding ourselves for sticking to our long-term strategy while still maintaining our financial goals.
Why Splurging Feels Right
For us, splurging during a bull run is more than just treating ourselves — it’s a way to celebrate our hard work and reinforce our commitment to our financial journey. Here are a few reasons why we think it’s a good idea:
- Rewarding Discipline: Years of frugality and careful investing can feel like a grind. A well-timed splurge — like our recent purchases of a new MacBook Air, new smartphones, and some stylish summer clothes 🛍️ — reminds us that our sacrifices have tangible rewards. It’s a morale boost that keeps us motivated for the long haul.
- Enhancing Our Lifestyle Thoughtfully: We don’t splurge on frivolous things that don’t align with our values. The MacBook and smartphones improve our productivity and connectivity, while the new clothes refresh our wardrobe for the season. These purchases are intentional, adding value to our daily lives without derailing our financial plans. 📈
- Seizing the Moment: The crypto market’s bull phase is fleeting. By taking some profits off the table, we can enjoy the moment without worrying about market corrections. It’s about striking a balance — securing our future while living a little in the present. ⚖️
- Planning for Bigger Goals: Not all our splurges are small. We’re currently planning to buy a new, larger apartment — a decision influenced by the four-year cycle of the crypto market. Our last apartment purchase in 2021, at the peak of the previous bull run, taught us the importance of timing. This time, we’re approaching it with the same calculated mindset as four years ago, using profits to upgrade our living space while keeping our long-term investments intact. 🎯
Balancing Splurging with Financial Responsibility
While we enjoy these “lifestyle chips,” we’re careful not to let them undermine our core financial principles. Here’s how we keep things in check:
- Set a Splurge Budget: We allocate a specific percentage of our crypto profits for splurging, ensuring the majority goes back into savings or other investments.
- Prioritize Value: Our purchases are deliberate, focusing on items or experiences that enhance our lives, like technology upgrades (productivity tools like laptops and smartphones or household appliances like a juicer or an air-frier) or a more comfortable home.
- Stay Disciplined: Even during a bull run, we stick to our long-term investment strategy, avoiding the temptation to overspend or chase risky trades.
The Joy of Living a Little
There’s something incredibly satisfying about enjoying the rewards of our hard-earned crypto gains. Whether it’s the sleek performance of a new MacBook Air, the convenience of upgraded smartphones, or the confidence that comes with a fresh summer wardrobe, these small luxuries remind us why we invest in the first place. And as we plan for our new apartment, we’re excited about creating a space that reflects our growth as a couple and our success in navigating the crypto market.
For us, splurging during a bull run isn’t about abandoning frugality — it’s about celebrating it. 🥳 It’s a reminder that financial discipline doesn’t mean depriving ourselves forever. By strategically enjoying a portion of our profits, we stay motivated, maintain balance, and keep our eyes on the bigger picture: a secure and fulfilling future. 🚀✨
What do you think about splurging during market highs? Have you treated yourself with crypto gains? Let us know in the comments!
