Why is there such a difference between men and women on this? I literally lived in a closet as a student. I'm quite content as long as I have a nice desk and chair, good internet, access to a gym and perhaps afford to eat out.

>Why is there such a difference between men and women on this?

Biological answer: women had to hold on to resources to care for their ofspring, so it's hardwired.

Politically incorrect answer: they are self entitled nutcases. If you think you are spending significantly more than what you think you can afford, dump your wife if she doesn't agree to downgrade on the lifestyle to save on expenses

That escalated quickly! I think biology has probably shaped us to worry about different things. As you say, I think it's probably that women look for a mate that can provide a good environment for raising kids. There's also the status aspect. Men are also status sensitive but it seems like they are much more willing to sacrifice status short term in order to focus on work and earning money long term, while women want a nice house etc no matter what, and it's up to the man to provide.