I hit a lot of the points that people have already brought up: - Good software job (and it's in video games, which means stability during 'rona, which I'm thankful for) - No kids - Single - Frugal (or cheap, if you'd rather) - Buying a lot of things used - I got lucky that my rent is stupidly cheap (because I haven't moved in almost 10 years, but now I can't move or it'll likely double on me) - I have a car, but it's cheap, paid off, and I don't use it much (so not much gas expense) - Rarely spend on eating out, etc. Treats are treats, not every day. - Avoid debt as if it will literally kill you - Don't spend money unless you actually have it (credit is not free money - use it for points, for online, etc, but don't spend it if you don't have it) - Savings and other financial goals are an important part of the budget that come before things like music purchases - You should be making a budget. If you aren't making a budget, get off the internet and go make a budget right now. I'm in the middle ground where people will say they "don't feel rich", but I still make very good money compared to a lot of the people around me - and I live in the same circumstances I was in when I made half of this amount of money, which means I'm very well within my means. Living in your means allows you to save - for retirement, for gear, for emergencies, etc. To me, "living within your means" includes having budgeted for savings, budgeted for "I know I'm going to want to buy things that are just to make me happy", etc. If you're not hitting that benchmark, then in my eyes, you are exceeding your means - at which point, as people have already said, it comes down to priorities. There have been points in my life where things could have gone very different ways - I could have had kids, I could move into a much nicer apartment, I could drive a fancy car, etc - but everything is a trade-off. I'm well off enough to be able to make those kinds of choices, but not rich enough for those choices to not matter in the long run.