You are just naming a bunch of things and then assigning arbitrary numbers which you could possibly spend on those things, if you really loved spending money. I

You are just naming a bunch of things and then assigning arbitrary numbers which you could possibly spend on those things, if you really loved spending money. I am your exact demographic target audience, and I and my partner spend on the order of 4k/month each, while being healthy, happy, and so on, and it's not because we try super hard.