Even if you have a large sum of money saved up and are a high-income earner, you still need a budget.

Plain and simple, a budget will improve your life whether you save every dollar, or spend every cent. Understanding exactly how your finances will enable you to feel more comfortable both with saving and with spending. In coming up with and sticking to a budget, you will confront all your insecurities around money.

Budgeting is like therapy for your financial traumas.

Reward yourself, by looking back at how far you've come.

There's a certain joy that comes along with doing something well, and showing yourself proof. If you're a saver, your budget might do that for you.

By sitting down one afternoon, and gathering all your data on what is in which accounts could be an opportunity for you to see just how far you've come. Even if you already knew the numbers, sitting down to make an intentional plan about that money will hit different.

Ease your anxiety about financial ruin.

Even if you have a great income, you start to worry about what if you lost it.

A zero-based budget lets you set goals for your monthly budget. Once you've met all your goals for this month, you can budget for the next and the next. Over time, you "age your money" as you budget ahead and only spend money you earned months ago.

If you already have a large amount of savings, it will remove any anxiety by budgeting months ahead.

This is better than a regular "emergency fund". It is entirely flexible in the case of an unexpected large expense. But more importantly, each dollar has a specific purpose and you can use it without needing to justify the expense to your already frugal standards.

And if you need money for date night, and you had a big bill come in, you don't have to stress — it's already in the budget.

Enable yourself to spend on things you want.

Yes, saving is important, but cliché as it sounds: There's no point in making money if you never spend it.

Most people who've gotten rich by saving don't want to spend. This is fine for most things, being thrifty and minimalist can be fun and sustainable and part of your values. However, if this frugality comes at the cost of your ability to enjoy your money, then you have a saving problem.

If you're a problem saver, then a budget is going to force you to look at what you have saved and decide what it's actually for.

This part of the journey is a whole new journey. Learning to spend, guilt-free, while remaining disciplined about spending below your means. Learning to actively choose to spend $200 on a course or $1500 on a bike.