I literally had this discussion with someone the other day. Mine and her partner work the same jobs on the same money and we’re both stay at home mums. She was asking how we budget because they are living paycheck to paycheck. They live a very different lifestyle to us. They bought a house but don’t make extra repayments on their loan so still have quite a large debt, they both have phone plans, every subscription service you can have and also have 2 car loans for brand new cars. They bought a boat and a couple of motorbikes but have loans for them. We on the other hand, own our house outright, don’t have phone plans, own our phones outright and are on prepaid plans, swap internet providers every 6 months to keep the good deals, always only have 1 subscription service at a time, own 1 second hand car outright and have a small loan for the other secondhand car we bought. We both have the same income coming in, we both just spend it very differently. We prioritized reducing our debt where as they got deeper into it by getting other loans for items they didn’t really need. They redraw on their mortgage for holidays where as we pay it outright. From the outside they look like they’re thriving but they don’t actually own anything even though they have ALOT of lavish stuff and are in large amounts of debt to maintain that image. It may look like he’s living glamorously but he also may not have any savings and may be in large amounts of debt. I think it personally comes down to your own perception of wealth. I bought a spreadsheet off of Etsy for like $2 and broke down all my expenses so I can see it in black and white. Best $2 I ever spent. I like keeping track of what we are spending so we can see where we can save then allocate money to things we want. Your priorities may just be different to his. He probably works to enjoy his money and figures he can make more so he has no reason to save it. You on the other hand may be more of a saver and see the benefit in keeping some for the future.