bcg1 is right - I am largely referring to people very much like the example in the comment I replied to. Also when i think of &quot;lifestyle inflation&quot; it&#x27;s more geared toward currently working professionals - folks who get a raise and their take-home increases by $800&#x2F;mo so they go out and buy a car with a $700&#x2F;mo payment attached to it - and less the transition from student to worker.