I have trouble spending money

I have a 13 year old and a 16 year old you can borrow for a summer that can help you with this, if you would like

You misunderstand. I can have the loan of a friend's 2-year-old anytime I want (I have even set up a custodial account for her college fund if she is smart enough to use it for that). The problem is not spending the money as it is the apprehension and anxiety I get doing it. I fear I will end up old and broke. This country reveres the young and rich.