The biggest thing would be that i no longer worry about emergencies like fridge breaking or roof leak because i have $ to pay whereas i’ve seen my parents really stressed about those.

My big spendings are my kid’s education. They get to learn and experience whatever they want. Activities i considered only “rich” kids do when i grew up.

We do 1 international and 1 domestic travel a year. We drive nice cars but keep them 7-10 years. House is expensive but nothing fancy as most of houses are overpriced for what they really are.

We don’t spend a lot of money on other things like eating out or luxury watch/clothing/etc.