First of all, it’s not a sin to enjoy yourself. You expended your life energy to generate that money- spend it however you want. Ensure your needs are taken care of first- that’s just basic responsibility. Giving money to charity is always nice and I recommend everyone give something on a regular basis, but your bank account doesn’t belong to any charity.
I’m assuming you’re talking about a motorcycle, or something equally awesome and expensive. It’s a calculated risk in keeping that kind of savings around- depends on how close you are to your goal, as well as how quickly you can pack away the rest.
If there’s one thing I’ve learned in life, it’s that we’re always A LOT earlier than we think we are— us conspiritards expected food riots before thanksgiving, but here we are with the grocery store shelves still fully stocked. You have time.
Edit: wanted to add- the “crash” isn’t going to render cash worthless over night. The markets will crash and unemployment will skyrocket before cash itself becomes worthless. There will be plenty of economic carnage all around before your dollars are worth more as firewood— when things get that bad, then it’s time to recalibrate where & how you spend your stack. On that note- fun stuff will be more readily available than basic necessities, as everyone else in the thick of the carnage will be fixated on acquiring food and other necessary resources as opposed to a badass motorcycle.