regarldess of gender/culture, its not rocket science,
you could die tomorrow, you might regret not living it up, thats the gamble you take in life
ive had 2 friends who lived pay to pay+ more, were unemployed and still refused to change their lifestyle.
fast fwd 10 years, one of them got lucky gambling and paid his $100,000 debt all back in one shot, now lives the same high life but has a good paying job,
the other his credit ruined, he will be a renter for life, and is always struggling financially,
some people are lucky , some are not, but its not luck/unlucky if you cant tell that some jobs wont be around/possible for ever