Suspensions and permanent records aren't that big a deal and you could actually afford to get into more fist fights.
So much of the crap you saved you haven't touched in years. Throw it out or give it away.
You're never going to have a complete set of Pokemon cards and you would never use them if you did.
Well, I guess the easy answer would be "You'll never be happy that way", but that feels a bit like a cop out. So, the three actual answers are