I was living well within my means & was still struggling. Regular apartment, & regular car, & never bought myself things. Let’s stop with hypotheticals & be realistic. Most people are not struggling bc they’re trying to keep up with the Jones. You have rent, lights, groceries, gas to get back & forth to work, car note & etc. Some people are riding around without car insurance bc they can’t afford to pay for it. Not to mention some people have kids. There’s daycare fees & you’re spending more on groceries. Oh wait there’s also taxes coming out of your check. People are not getting paid enough.