I don't spend most of it on myself. I drive a 2012 Ford, live in a two-bed cottage with the kitchen not updated since 1947 and buy clothing and nearly everything else secondhand (except upholstered furniture, which my last purchase was in 2001, yes 2001, and mattresses, last purchased 10 years ago).
I help my sister who has advanced cancer, with bills and in taking her traveling and with her very large veterinary bills. Until my last dog died in 2023, I had large bills for him and his late brother. I spend a lot on making my garden a pesticide-free wildlife oasis, including seeds, plants, trees, shrubs and structure. I give a good deal to the local DV shelter, to wildlife rescue and other charities. I also since 2002 take care of all the costs and upkeep for a holiday home in the lakes that my grandfather hand-built in the late 1930s, so that extended family can enjoy it.
I help people in need - this past Christmas I spent more than 1K anonymously providing treats, food, pet food/care and gifts for two families; one a single mom with disabled kids and another brand-new young widow whose kids, 8 and 6, didn't understand why daddy died of cancer in his early 40s and were worried Santa would forget them. Let's just say Santa came through.
Also I still work fulltime at age 61 and run a side business, and do some volunteer work. My outgoings are not due to a life of sitting around eating bonbons and thinking how can I spend more money on myself. But I would not want to have to curtail doing the things that bring relief or happiness to others (and by extension to me, I'm not a selfless saint). I'd rather work a bit longer and bolster my savings. And no, I never had an inheritance and no, I don't like my job. I hate it and dread Mondays from Friday evening onward. But it makes other things possible.