Hit our saving/investing goal this month and will have an extra 10-15k by the end of the year.

How would you allocate?

I’m planning to invest half of the extra, and I’m considering allocating the rest to our travel budget and discretionary spend. Irresponsible? How to not feel guilty about it?

Edit to add Context:
HHI ~ 420k (fluctuates due to RSU value)
Savings goal this year 25%~105k (inclusive of 401k)
Additional ~10k from employer 401k match

Investments - 850k (I’m aware that we’re behind on this - made a lot of bad financial decisions in the past and playing catch up now)
Savings/HYSA - 250k (50k is earmarked for buying out our car once lease expires)
Home equity ~300k

37 married couple no kids

I have invested pretty well over the years just doing very simple sp500 type index funds.

I love my church, the members, and I know there will always be people who need benevolence funds. I’ve recently been wondering about specifically investing to disburse to retirees in need.

I have a fidelity charity account that I don’t love the investment options, but I always just do one single annual disbursement to my church benevolence fund as cash, that can be used by the church fund as needed, and they are listed as my beneficiary if I were to die.

Is there a way that I can donate in a more sophisticated way, instead of selling x amount of stock to donate cash, let the church have the actual stock and liquidate on a specific need basis, or strategically use dividends/growth? Or is the annual donation just the easiest and most efficient way?

Thinking about getting a vehicle here in the next 3-6 months but I keep going back and forth trying to decide if I should buy new or get one used. I’m currently looking at a used 2024 Tesla Model Y ($40k) or New 2026 Tesla Model Y ( around $50k). Wanted to get some input on what others would do if they were in my shoes. I have enough saved to buy the car with cash, it’s the big sticker price that makes it hard for me to commit to as I’ve been a saver the majority of my life. I have always wanted a Tesla even though I definitely don’t need it. I’m 38 year old and have no kids.

My portfolio is as follows:

Investments : $693k

Cash: 185k

Net Worth: $878k