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“Pay yourself first”. My bank has a feature that allows me to setup automated money transfers to and from different accounts based on rules I setup. The most important one is when any deposit is received from my employer, 20% of the amount is automatically transferred from my chequing account to my retirement account. My paycheque is deposited overnight and the money is already “gone” by the time I wake up in the morning. Treat it like another tax on your income that you have no way to avoid paying. Then live off what’s left.
I’m still running a DS414 filled with WD Red drives. I’ve only swapped out one of the drives as it was starting to have issues. I’ve considered upgrading for more features (Docker, Home Assistant etc) but can’t justify the expense just for “nice to have” instead of “need”. Realistically it only stores Linux ISOs that I get with Download Station.