> When I started working, I didn’t start spending.

I'm exactly the same. I see so many people living paycheck to paycheck, and for me there is nothing more depressing.

I've only been working for around a year and a half and I already have the economic freedom to be unemployed for a year.

Also, I don't really feel like I live frugally. I go out as much as I want to, I go on holidays, I buy a few luxuries that I really want. I really don't understand how people manage to spend so much