How do you decide when it's time to spend Bitcoin?

I'm enjoying stacking sats, but theres no point in stacking if i never use them. I've bought a few small things with bitcoin, nothing over 300,000 sats. And in my head im saving up to buy something big, like a car (a new one for once, not these junkers ive bought my whole life) or a down payment on a home for my family.

But how do you decide when its the right time? Either with small stuff or big stuff. I find it hard to part with my sats due to FOMO.