You're absolutely right. Lifestyle creep and keeping up with the Joneses is a real thing and once you can shift the clients perspective on what's actually important the rest is pretty easy.

Healthcare bills are just another debt. Health providers are almost always willing to work out some kind of payment plan and we tackle it the same way we would a credit card or student loan. Additionally, there are things like HSA contributions that can help you save some money on healthcare bills. Usually in the range of 10-20%.