> A half decent accommodation will run you 30k if renting, or more like 60k for a mortgage at todays rates for a median cost SFH. Add in various insurance paym

> A half decent accommodation will run you 30k if renting, or more like 60k for a mortgage at todays rates for a median cost SFH. Add in various insurance payments, car and home maintenance, the odd medical bill, Disregarding medical bill, yes, if you spend your money on luxuries, you will have less of it. > Second and more importantly, they are spending on whatever the fuck they want. You do realize you’re going to die, yes? Ok, so, clearly people are spending their money, which is why they are paycheck to paycheck?