I feel you, sister. When I started getting the hang of doing lower tier alchemy stuff (caches and cases) and suddenly found myself with 1mil for the first time, I was baffled. I immediately spent it on stupid small stuff, of course, but now I'd found the secret, the "my way" of getting gold without crushing ennui. I still never have more than 1mil on me at any time just because I am terrible at waiting for prices to decline over any period of time longer than say, a week. But it makes me happy, so I keep on truckin'. I'd say if you don't know what to save up for, then only invest in items you are SURE will increase in value (there are a few) or else wait. I don't invest much beyond one or two items that fluctuate regularly because I have a bad habit of making poor decisions in this regard.