I guess your work choice and lifestyle have a big impact...
I earn a ****** good wage...but only live at home for 2 weeks out of the month, so for the other 2 weeks, I spend nothing. Not a penny..room cleaned, clothing washed, food provided.
The company send a taxi for me, then I go by plane/helicopter..and the same on the return leg, so no commuting costs either.
So basically, bar my mortgage (large by NE Scotland standards, but low by other parts of the UK and low compared to the house value) all I have to spend my cash on is cars, or going out etc...but again, only being home for 2 weeks limits the nights out.
Hence 3 cars, 4/5 bedroom house etc...
You earn it, you spend it...
I'm not complaining...