When I was a kid, I remember seeing the road ahead as appearing wet when the day was hot. I thought it was true even though we never drove far enough to reach the water. As an adult, I still think I'll become a better bassist if I have more and better gear. The illusion remains even though I know it's false. Illusions are sticky things.

You can always put the extra money into a 6 or 12 month certificate. That way you won't be able to touch it. Just a thought.