It's funny how quickly you get used to the mindset that it's a good decision to trade money for time. If I value my marginal time at $50/hr, and unconsciously always choose to pay to save time, the mindset becomes ingrained and is hard to reverse.

Little things that you quickly grow accustomed to like taxis, dry cleaners, restaurants (plus a few big things like a mortgage or high rent from living alone in a decent apartment, car and all related expenses, etc) all add up very quickly.

I think that's one of the biggest advantages college students have when starting a company. They get a significantly longer runway for relatively less effort. It's much harder to adjust from making $200K to $20K.