&gt; I don&#x27;t spend on any such thing, track all my expenses, make a good high-tech income, and still spend most of my earnings.<p>I have to question your story then.<p>Because I <i>do</i> drop big bucks on fancy restaurants and liquor, yet I still manage to save a ton every month.<p>Two hypotheses:<p>1. Your &quot;good high-tech income&quot; isn&#x27;t good enough. Anything under $125k globally is not good. More if you&#x27;re senior and in SF&#x2F;NYC.<p>2. You&#x27;re spending too much on rent. Particularly in tech hubs, this is a <i>much</i> more decisive factor in your financial health than whether you cook your own food.