We fall into this category also, we aren’t willing to waste (for a lack of a better term) money just because we have a bunch sitting in the bank.
For us Disney has become an opportunity cost problem, we can afford all of it but we find it harder and harder to justify going to Disney rather than the alternatives, that are now very similarly priced. A week at WDW for $7k vs a weeklong Alaska cruise for $7k in a mini suite is a no brainer for us, and Disney loses that scenario. A week at WDW for $7k or a week in Europe for $10k is still a no brainer for us, again with Disney losing. They’ve become so expensive it’s hard to ignore the dozens of other more exciting options that are in many cases also a much easier trip to plan.
We still love the parks, they just don’t make financial sense anymore, at least not on a regular basis, the days of monthly DL trips (as APs) and the annual weekly trip to WDW (or 2) are now replaced with a trip or 2 to DL and a half week trip every year or 2 to WDW.
We can still afford it, we just can’t justify it.