Most of us struggle to follow a budget. In fact, 83% of Americans say they find it hard to stick to one. But there’s a dedicated few who treat their budgets like a law — or even a religion.

Budgeting is smart. It allows you to live within your means, save for the future and avoid nasty financial surprises. But can you overdo it? (1)

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Meet Angie.

At 40, she’s on $300,000 across her 401(k) and other savings accounts — far more than most Americans her age (2). With an $80,000 salary, she’s already surpassed the common benchmark of having three times your income saved by 40 (3).

She’s proud of her being a good saver and the retirement it promises. Still, she wonders if she’s missing out on life. She skipped girls’ trips in her 20s and turned down so many nights out that some of her friends eventually stopped asking. Now she wonders if she sacrificed too much — and if she’ll even know how to have fun when she finally retires.

So how can Angie — and others like her — loosen their financial grip without losing control?

Angie lives in Texas and brings home about $5,500 a month after taxes (4). She pays $700 for health insurance and contributes $675 to her employer-matched 401(k). To keep costs low, she splits an apartment with a roommate, paying $800 a month.

On top of her retirement savings, she saves another 15% — about $825 — toward her emergency fund and other investments. That leaves around $2,500 for bills, groceries and discretionary spending.

She’s built an emergency fund could cover nearly a year of expenses. But because she grew up with parents who worked seasonal jobs, she’s always felt that money could disappear overnight. Saving, to her, feels like survival.

Lately, though, she’s realizing it might be time to breathe a little (6).

Read more: Are you richer than you think? Here are 5 clear signs you’re punching way above the average American’s wealth

With her savings in great shape, Angie can afford to loosen up — maybe by redirecting some of that money toward experiences she’s been putting off. A big vacation. A summer rental with friends. Even just more dinners out.