Idk where you get off being so insulting and accusatory and then when I validate others' concerns you think it's fine to be rude and dismissive to me. Take your own advice and chill out. You engaged in a discussion. You don't get to tell others to not participate when you've invited discussion through your own participation.

Generally speaking, people are being objectively correct when we say that costs are high and wages have stagnated. You're right that budgets can be tightened for most people, but I have no reason to believe that people's irresponsible spending habits are anywhere near as extreme as you are claiming, at least not outside of some rare outliers. And if I'm wrong about that, how does that change anything about how you are choosing to live your life? It really doesn't. It kinda just sounds like you're whining about welfare queens or whatever Tucker Carlson's replacement on Fox is disingenuously getting people riled up about this week. If your finances are fine and others' aren't, then good for you. It's possible that you're luckier or better at planning or older than the people complaining. Your status doesn't invalidate the experience of other people.