You can always start saving a little. Maybe a home is out of your grasp but traveling for while is definitely achievable.
Of course. My point is that there is a whole class of people, let's call them "college educated millenials" or somesuch, for whom an extra $100 doesn't mean much, but who have plenty of things they could gold plate and put diamonds on.
The dichotomy that there are only the ultra wealthy and the almost destitude is false. There's a lot of inbetween.
I don't know what I'd do with an extra $100. Maybe a nice dinner that feels about the same as any other nice dinner I can have whenever I want?
But an extra few hundred thousand, now we're talking. I could buy a home instead of rent and save money in the long run. Or travel for a while. Plenty of things you can do with an extra few hundred thousand.
As it stands today. I have more money than I need for ongoing lifestyle stuff, but not enough for long term improvements. Hence I buy avocado toast instead of a house.