The QoL aspect is extremely important though. If I can’t have one $10/mo subscription… what’s the point of being a millionaire in some hypothetical future if I spend my prime years depraved and depressed?
Sure, but at the median income in the US, you don’t need to be depraved or depressed. At least not for monetary reasons. I’m not saying you need have to cut all subscriptions. A lot of people have much more than one reoccurring charges or spending habits that could either be reduced or cut completely with little to no effect on QoL.
That’s been a point of discussion in financial independence circles. You can rearrange your whole life so you’re saving 60% of your income, and some people have. Are they happy? Often not, and some of them have backed off when they realized they shouldn’t give up so much happiness now for the prospect of being happy later.
The QoL aspect is extremely important though. If I can’t have one $10/mo subscription… what’s the point of being a millionaire in some hypothetical future if I spend my prime years depraved and depressed?
Sure, but at the median income in the US, you don’t need to be depraved or depressed. At least not for monetary reasons. I’m not saying you need have to cut all subscriptions. A lot of people have much more than one reoccurring charges or spending habits that could either be reduced or cut completely with little to no effect on QoL.
That’s been a point of discussion in financial independence circles. You can rearrange your whole life so you’re saving 60% of your income, and some people have. Are they happy? Often not, and some of them have backed off when they realized they shouldn’t give up so much happiness now for the prospect of being happy later.