If you are living life and your goal is to fulfill your consumerist indulgences without saving up you've missed the point of life. I suggest resolving that feeling of angst and anxiety by going out and serving. Pick a direction and develop all you can and don't look back til your 35 to reflect. So long as the thing you pick resonates with you and you find some sort of satisfaction doing it. If you don't resolve that anxiety it will only get worse over the coming decades and purpose is the antidote to anxiety.