> One thing I have to constantly wrap my head around is that being broke doesn't correlate to income. I have a family and a mortgage and savings and nothing lef

> One thing I have to constantly wrap my head around is that being broke doesn't correlate to income. I have a family and a mortgage and savings and nothing left over for luxuries at the end of the month. But someone working as a bartender can afford a new Jeep and go to Vegas 4x a year because they have a good roommate situation and they are due to inherit their parent's second house one day. I feel like we don't count our own responsible expenses but double count other people's luxury expenses. A new jeep is maybe 6k/yr. A trip to Vegas is maybe 1k. That's maybe a total 12k/yr If you're mortgage is 3k a month and he's paying 500 a month in rent, you throw in two kids @ $1,000 a month and maybe 500/month in savings and you're looking at 66k in expenses which dwarfs the 12k.