We never spent money on specialty coffees, we hardly ever ate out, maybe Whataburger, Taco Bell. There were no cell phones, must less each family now has a minimum of four, no iPads, no Mac pros, Apple Watches. That’s why we were able to buy a house and 15 yrs later pay it off. Take all the extras out of your life and you would be surprised how much money is left over at the end of the month. Also we drove used cars, never went to a dealership and bought new until we had our house paid off.