I seem to always find a need for the money I have tucked away
That sounds normal. What do you want to do with your saved money?
I'm thinking of buying a villa in Spain.
I understand your temptation of using your saved money. But remember you're doing a great thing by saving it for future.
Don't be so boring! Money is here to spent and I want to spend it on something exciting! Spain here I come! You can come with me.
I really appreciate your offer, but I think it would be wiser to just keep saving for a rainy day. You never know what emergencies can happen. A vacation can always wait, how about waiting until a very special occasion so it means a lot more?