Ehhh let me throw a wrench into the prompt and flip it:

I spend my Steem without feeling bad about it.

I've spent thousands of dollars of Steem - equivalent to tens of thousands at today's Record High - this year. I spent it on some silly stuff like weed and fast food... and some on useful stuff like a new audio interface.

Mostly tho - I bought time. It wasn't easy, but I successfully did not take a single "real job" in 2017 - it was all freelance. So I basically spent a few tens of thousands of future dollars to buy more time in 2017 for myself - and since I'll never have access to that time again, it feels like money well spent. Even if its worth millions of dollars when I am 80 years old, I doubt I will be regretting the freedom to choose how I spent my time... regardless of the money.

Of course - a drunken pizza or cigarettes doesnt sound as noble lol but the same principle kinda applies

edit: oh and my tip is this - allocate a % of steem earnings to "waste." Maybe half of your liquid SBD rewards are "fun money" and the rest is super off limits as an SP investment. Then you get to indulge a little but still build towards a good future.