It is very wise to always live below your means financially. Of course living simply can incorporate certain luxuries, but hopefully you'll enjoy a better quality of life than merely living for creature comforts.
You might get 85 years on this planet - don't spend 65 paying off a lifestyle you can't afford.
So simple and true
I know people with relatives living up to 104 and Good quality living…
And its amazing how people think they live the grand lifestyle & put on a display or shrine about it. So sad!
Nobody gets to the end of their life wishing they had bought more junk. Declutter and simplify and make thoughful purchases from this point on.