Do whatever you’re comfortable with. If you ain’t a spender you ain’t a spender although I have heard of people saying that when they get diagnosed terminal that they wish they had spent more of their money having fun. You’ve got kids so you’ll no doubt find comfort knowing they will have a bit when you’ve gone. How about putting a bit of your time back into the planet and the less fortunate ? Not saying donate money but you could get a lot of satisfaction helping a good cause with your time, but maybe that’s not you.