It likely is. But with all the credit cards and consumer-loans being pushed today, anyone is susceptible to so called “lifestyle creep” where you get used to the things that come with spending more and more, and it starts to feel impossible to back to being frugal. Even if you are massively in debt and living beyond your means.

And still if money does stop being a concern for you, not budgeting your own attention can lead to an endless spiral of mindless consumption in search of good brain chemicals.