Overview
If you feel any urge whatsoever to hold on to your money, obey it! You are feeling highly sensitive about financial matters, and there could be good reasons. There are unexpected tolls coming up on the road. It's totally reasonable for you to want to hold on to your hard-earned cash, so do not let anyone guilt you into upgrading. Their money is theirs to do with what they will, but if you want to pinch pennies, that's your business.
