An individual’s discretionary income could increase as a result of increased income or decreased cost, such as paying off a mortgage.[1] As discretionary income increases, individuals are able spend money on things that were previously unaffordable.[1] Lifestyle creep occurs when spending increases at the same rate as income.[2] It can be reflected in purchases, such as expensive vehicles or a second home.[1][3] Spending money on things with ongoing maintenance costs, such as club memberships, also are demonstrated in lifestyle creep.[4]