Re: cheap hobbies, I used to date a public school teacher. She would save to go on guided trips to Antarctica, Peru, the Galapagos, New Zealand. You can live an amazing life if you plan for it.
Does that mystical creature still exist? Or is it perhaps more likely if one of the pair has a high yield income?
If you earn $100k and are willing to have the median lifestyle, and you can find a spouse that's willing, then the numbers work just fine.
Challenges include lifestyle inflation; housing costs if your six-figure job is in an expensive area; and finding a partner who's willing to be put in what is often a vulnerable and low-status position.
We live in Ohio, and I suppose we would qualify as frugal and having cheap hobbies. But I certainly don't feel like we're missing out on a lot.
We also set aside over $1,000 a month for giving, with some of it going to various individuals and organizations automatically and some of it just waiting for when we see a need.
Do you understand that your extreme massive privilege is something very few people will ever able to obtain? What should they do? Work until they're 80 and die on the job?