That makes me think of the point of no return. Or raising necessity (High Performance Habits, Brendon Burchard)

I think I figured out my own answer, which will definitely sound dumb:

I will rent or buy an apartment I cannot afford.

Imagine.

I don’t want to go bankrupt. I’ve always struggled finding the motivation to want money. Even though I try to convince myself that I “need” it for x, y, z reason, the truth is, I’m not desperate enough.

But by living above my means, I need to work harder or I’ll be in the streets. Kindoff.

So that’s my answer. I don’t recommend it for everyone though. And for those reading, don’t blame me if you go bankrupt doing that. It’s your own choice if you do it.

In the end, it’s all about the sunk cost bias. And it’s a powerful motivator.