I live the kind of life that you are talking about. I saw a silk shirt at Jim Thompson that I liked , and I didn’t even think to look at the price . because Jim Thompson shirts are within a range , and five hundred baht either way would not affect my purchasing decision. But then I realized that I have 18 high-quality short sleeve shirts. That shirt might get worn once a month if it was lucky.And yet I still don’t have freedom from silk shirt desire. And a silk shirt requires its own cycle in the washing machine and very careful ironing. The luxury of a silk shirt is just another prison. On the other hand, my GF has a very good job at a bank. She only needs 1/3 of her salary to live reasonably well because she is in the Thai economy where you get a shopping bag of rambutan‘s for ฿100, not 12 rambutan‘s in a Styrofoam package at Villa market. The rest of her money goes to the temple, her hair extensions, and some getaways with her friends. She has no debt, which is rare for a Thai person, and about six months of expenses in savings, plus small shares in various family land purchases. On a fraction of my income, she basically lives the same quality of life that I do. It’s not what you have, it’s how happy you are with what you have. In that regard, she is richer than me.