I'm probably about 90%ile income for my household but live in a HCoL area and have two children in daycare. I rent, don't own, and I have enough that I can buy a coffee without thinking, but will be sending my kids to public school, can't just up and go on a vacation.

I make restaurant reservations 7-8 times a year? My wife and I go on dates and you simply aren't getting a table where I live if you don't. Fyi we typically spend $120 or so on those dinners.