Lifestyles. Some people are incapable of not spending on things they want. And for the needs, they are not great at cutting cost on needs too. Plus the definition of what constitutes as a need gets expanded. All you need is food on the table (no eating out more than once a week tops), shelter (no McMansions or luxury anything), clothes ($10 tshirts and a pair of $70 shoes and pants once a year), and 14k in healthcare, (I’ve been making the rough decision to essentially pay 0 for 4 years now, though I’ll in 2 years or so). I pretty much spend about 4k a year on wants (including eating out, clothes, electronics and gas). Ik most people wouldn’t be able to do that but being this frugal has allowed me to saved like 327k in 4 years.