It's all about priorities. Different people spend money on different things. My I laws have never been to a fancy place like Ruth's Chris except when I pay, but they were both teachers for 40 years and lived below their means. Now that they are retired, they live in a paid for house overlooking g a spectacular lake in NC. My BIL got divorced and they were able to write a check for a condo to get him back on his feet. It's all about what you choose to spend it on.