"Mainly it is a psychological trick to keep myself motivated."
Sounds good. Once we know ourselves and are "brutally honest," whatever it takes, right?
"For me this year its about being more disciplined and setting up this "early retirement" fund."
Great objective to have. Past retirement, I am in the "don't run out, due to inflation" fund, in case my beloved and I outlive uhhh ... "expectations" ... 😉