Here is an almost bizarre theory. When your salary crosses the average number your enjoyment of things that you can buy with money goes down drastically. You have much more appreciation of the used car that you bought out of college as the monthly payments pinched you a little. A good way for you to maintain that effect is to keep stepping up your lifestyle as your salary increases. Constantly buying a little more than you can afford. You can easily afford a Honda now? Buy BMW. Goes against conventional wisdom, but food for thought.