Yeah, Netflix ain't the problem. Even $100 in coffee budget a month ain't the problem, as long as that's not one of several $100/mo unnecessary budget items. Health care, housing somewhere with non-shit schools, child care (when young, or after school care, or summer care), those are the biggies. Food not up in that category but high, even if you spend quite a bit of time cooking yourself and rarely dine out. Utilities next. Clothing somewhere under that unless you just have to buy all your kids' clothes new, and maybe by the time you're that far down the spending ladder you've found an item that's rivaled by "frivolous" spending. Phone bill's probably down around here somewhere, too.

Oh boy, I spend zero on entertainment or other unnecessary stuff so my spending dropped perhaps 5%/mo. Great. I'm only miserable and hate life is all, but great.