>>27610587The purpose of setting money aside isn't meant to be to buy things.
It's meant to be to have emergency funds.
A good general rule is that at minimum you should have the equivalent of at least 6 months of rent saved up in case you ever lose your job.
That should be enough for any emergency too since it should be at least 12k.
Ideally you should have at least one year worth of living expenses saved at any given time. If you have that then and only then should you be alright to spend your money and toys or any other things you want.