So this might be a safe place for this question . I just got Destiny again after a 2 year console hiatus . Obviously , a lot has changed . What I ' m really keen to do is the VOG raid . What I ' m concerned about , however , is that if I level up anymore it ' ll be too easy , especially if I have level 40 ' s on my team I ' m at 32 . Are these concerns justified ? <| sep |> That was legitness <| sep |> You have a problem that a lot of us would like to have . But it ' s a trap at the same time . You have too much discretionary cash leftover after your expenses are paid . You need savings goals . One thing you should do is to ensure that you are saving for the future . There is a movement of people who are seeking financial independence rfinancialindependence . Their philosophy is to live as frugally as is comfortable to them , and to save as much of their income as possible , and to build that savings until they can withdraw at a safe rate to pay for living expenses . At that point , jobincome becomes optional . I recommend you follow rule 4 , budget this month and next , but in your case you ' ll be pulling back all the future money into ' To Be Budgeted '. There ' s a lot of advice on the wiki here and around the web . Common consensus seems to focus on these key points Budget , efund , debt , retirement , wealth building . Once you do that , set up an emergency fund in something like a money market account . 36 months of actual expenses is the usual guidance . This is to cover major unforeseen events , with unemployment being the usual example for planning . Personally I use 9 months , because my experience has shown that I recover slowly from unemployment , and I have a family to support . Then start investing for your future while you do the next step . If your employer offers 401 k matching , contribute enough to capture all the matching . Then pay down any debts . Research the snowball method on the wiki here and other online resources . Some folks do this step first , but you don ' t seem to be behind on any payments . Then get busy investing in your future . Again , the wiki here and rpersonalfinance , are good starting points for learning how to structure this . Also Your way is not wrong , but you can do more with that ' extra '. TLDR I don ' t think you need to do a fresh start . Just reallocate the future funds that are out more than a month ahead . Use them to fundstart your emergency fund . Then build on your budgeting skills to include debt reduction , then saving for the future and then wealth building .