They're on the hedonic treadmill. With every rise in wage comes more extravagance, more luxury... little do they know - real luxury comes from being free. From getting on a plane whenever you want, from saying 'No' when you're asked to do something you don't want to do.
Let them have their Mercedes and their designer furniture.
I'll take the life free of shackles.
Live below your means, don't allow an increase in income or any form of positive gain in your life change the way you live.
Steel handcuffs or golden handcuffs, if you're placing yourself in immense amounts of debt it doesn't matter what colour your handcuffs are or how high your income is.