You are right on that, it's a difference of perspective in a lot of these cases. I personally very well could subsist on bulk prepared, cheaper food, go out or

You are right on that, it's a difference of perspective in a lot of these cases. I personally very well could subsist on bulk prepared, cheaper food, go out or visit family very rarely, never pay for a gym membership or for a music tutor or for dance lessons or for children's activities. But from my point of view that's insane, and those are basic things that you will spend some amount of money once you can afford it on to have a life worth living. Luxury to myself means luxury goods (status symbols such as cars, phones etc. or even best-in-class functional items with increased cost compared to value-for-money alternatives), frequent travel etc. all of which I can't afford. I wonder though if this goalpost would move even further if my income ever increased, or this mindset is well, set, from our upbringing.