I agree with Puck. It is advice to spend on things you enjoy. Not for the sake of spending, but because you enjoy them. I guarantee that you won't enjoy an expensive funeral because you'll already be gone. It won't matter to you if it's a pine box, or a silk-lined mahogany coffin with gold handles.

And, keep in mind, that your health will be fine until it isn't. And then it's too late. And you won't know when that will happen until it does. Travel, indulge hobbies, or whatever, while you still can. Because one day, in all likelihood, you won't be able to anymore.

I won't reiterate our story. I've told it a few times. But the above point was driven home to us in 2019/2020. We retired in 2022 after making sure we were secure financially. Since then, we've been to SE Asia, Iceland, the Canary Islands, Portugal, Norway...we're living and enjoying while we can. Collecting memories we can reflect upon when we're too old to do it anymore.