It's time to think big. Being practical will result in missed opportunities. Venture into unfamiliar territory, even if it means taking a financial hit. Going back to college, travelling overseas or self-publishing a book will require a personal investment. Although you hate dipping into savings, there is no better way to spend your hard-earned cash. Once you get used to living on a tight budget, you'll stop worrying about the future and start enjoying yourself. There are more important things than having money in the bank.