glassary

First, the idea that the only way to spend 150k (post tax in CA) is expensive watches and cars is pretty ridiculous. A half decent accommodation will run you 30k if renting, or more like 60k for a mortgage at todays rates for a median cost SFH. Add in various insurance payments, car and home maintenance, the odd medical bill, etc. and you can spend the 90k remaining without any “luxury” purchases at all. Certainly you don’t have to but…

Second and more importantly, they are spending on whatever the fuck they want. You do realize you’re going to die, yes? There’s no way in which saving more than your neighbor is “good”, morally or otherwise. Maybe by saving more “now” you have a more comfortable “later”, maybe you don’t — the former may be more likely but isn’t guaranteed, and you should not judge someone for having a different risk profile than you.

The thing you’re perhaps running into is that plenty of people, supposedly very qualified folks, can talk at a high level but can’t actually do the job — can’t even string a handful of lines of code together.