I do not have a piano!
My old upright, which I'd had for 40 years, became uneconomic to repair/recondition

, so it did not accompany me on the move from England to Holland.
I do the majority of my practice at the practice rooms of an Arts centre, and supplement it with work on a Yamaha P80 digital. I also have access to three other nice pianos for a few hours a week, if I need them (like when the practice rooms are closed for the Academic break over summer).
I do have a "Piano Fund". It gets a monthly contribution, then whenever I fancy a bar of chocolate, or an extra beer, or a tempting new book, I forgo the pleasure and add the money saved to the fund. It grows surprisingly quickly. It contains enough to buy a small Yamaha grand, but I've now re-named the fund the "Bosendorfer Fund" so it is barely 15% of the way there.