I consider myself a little bit of an anti-mustachian. But I'm sure the majority of Americans would probably consider me quite mustachian. I spend significantl

I consider myself a little bit of an anti-mustachian. But I'm sure the majority of Americans would probably consider me quite mustachian. I spend significantly less than 10% of my gross income on housing. I almost never take a cab when I could take the subway. I save enough so that for all practical purposes I never have to worry about money. But at the same time I spend substantially more than the mustachian 24k / year. I don't particularly enjoy cooking, so MMM would consider my food expenditures to be grossly high. My view is that people should live in a way that maximizes their happiness. MMM seems to enjoy taking frugality to the extreme. But I'm different. That lifestyle would not make me happy at all. In the past I have lived with very little left over for savings. That way of living also caused a lot of stress any time unexpected expenses pop up. It absolutely did not maximize my happiness. I'm fairly careful with my money naturally, so my current mode of living doesn't require any effort on my part. It leaves me free to make what many would consider pretty large splurges from time to time while still maintaining a nice cushion for unexpected expenses as well as a nicely increasing investment portfolio that should allow me to retire well before the standard retirement age. So no, while you might not be able to say I have fully unabated spending habits, MMM might say that I do. And in that case I would satisfy all three of your points.