The guy you mentioned is hardly frugal. He is whining that he isn't spending anything on luxury - while in truth, EVERYTHING is super luxurious. He treats his w

The guy you mentioned is hardly frugal. He is whining that he isn't spending anything on luxury - while in truth, EVERYTHING is super luxurious. He treats his whole life as one big luxury experiment. One rents (0% downpayment lease is a rent) non essential resources, especially at the brackets he cites. In such cases 50% expense could be dropped immediately, with hardly any meaningful impact on quality of life. And lifestyle is hardly a quality of life item.