Or think about seriously downscaling to a home with a lot less maintenance.

A friend my age, is looking for a house...still. After selling her parents'. She has her own cottage over 300 km. away.

She is single. Honest, she is setting up herself for some maintenance challenges later in life.

The convenience of debit cards and credit cards is scary. I actually seldom use debit. For groceries, I force myself to pay most of it by cash.

Reason: Food is so fundamental for my survival that I need to be reminded how much I spend to feed myself. I needed to see the money leave my hand at the grocery store. I pay off credit card bills monthly 99% of time..other times I simply made an error of forgetting a payment.

I confess that I had spent enough on cycling clothing, some bikes, etc. Accumulating enough that I embarrassed myself. But now, I divide that stuff between 2 residences. So luggage between 2 cities is light. So actually my cycling costs has dropped a lot for last 5 years. Now it's only annual bike repair which is a lot cheaper than car repairs.

Good point in audio about lifestyle inflation and reining oneself in.