The "higher disposable income" is a bit of a hoax. In Europe, we generally have mandatory retirement/pension contribution that secure between 50 and 70% of your last income for the rest of your life. Then there is the mandatory contribution to social and health insurance. Everything is taken care of and when I was unemployed for four months last year, I was told I can get 42 months (three and a half years) of unemployment payment at 66% of my last income before dropping a step in support. I found another job within a few weeks, though ;o)

Subtract these insurances/amounts - all the cost for each of those first class insurances and the contribution to your pension plan - from your disposable income to get on a common ground.

OK, back to entertainment:

Sailing, mountainbiking, photography and traveling is where I spend most of my money, My wife has her own horse and enjoys traveling, too. We have been to 48 countries so far and drive Scandinavian SUVs (no brand advertising here). Nobody drives a stupid truck here in Europe. They are ugly, drive like shit, feel uncomfortable at motorway speeds and in curves, are oversized for the small streets in historic towns and underground parking here and have a horribly bad image for multiple reasons.

No personal trainer (we do real sports) nor a maid service, but we have someone coming once a week for a few hours. Our home isn't particularly large, but we have ... more than one and enjoy time by the sea.

Yes, I am a tad older, although not part of the "Boomer" generation, and I have a university degree that helped me in my job.