Own Utility, Rent Luxury: How to Avoid Lifestyle Creep and Build Real Wealth

We work hard. We deserve nice things. We want to be able to finally afford the designer bag. And be a part of the group that can afford designer bags. Show with pride what we achieved. But what starts as a well-earned treat often turns into a trap. This is lifestyle creep — where our spending quietly expands with our income, leaving us stuck on a treadmill instead of building real freedom.

Let’s break this down.