'What I've found that most happens with lifestyle creep is you start living the way that you deserve to live.'
) mean that more millennials and Gen Z'ers are likely skipping out on these kinds of necessities than the generations before us were at our ages. But webe able to take care of ourselves on a single full-time job, and we shouldn't feel guilty about spending on basic things we need to be happy and healthy.
I asked Danika Waddell for her opinion on this conversation as a Certified Financial Planner. She said,"Personally I don't consider being able to afford to pay for necessities to be lifestyle creep. An increase in income CAN lead to lifestyle creep, but paying for dental work or car repairs wouldn't qualify, in my opinion." So there you have it from a pro — go do what you need to do, guilt free.
She went on, saying,"Finally pick one or two things that you will allow yourself to splurge on. It's perfectly okay to increase your spending in a couple areas, but I don't recommend that you adopt that strategy across the board. For me, one of the biggest indulgences is having a cleaning person. I choose to continue to live simply on other things, like cars, so I can afford to splurge on the things that really add to my overall quality of life.
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