The question is what is a yes? If Netflix is too wasteful and a restaurant visit is too wasteful and a cocktail is too wasteful and a cup of coffee is too wasteful then what exactly are you okay spending on? And if your spending model is "never spend any money under any circumstances" then what even is the point of it?
If you dearly love that 5 (now 6) dollar daily coffee, I’m not going to say you’re wasteful. You’ve just decided that that coffee really is worth $18,000/decade (or perpetual $45k) instead of spending about $2,000/decade (or perpetual $5k - frivolous enough!) on a cappuccino machine plus decent beans and milk like I do.
You probably don’t waste as much as I do on skiing or amateur radio stuff.
If I had an answer to that question for you, I would have responded to it. I didn't. I responded to the question you asked that I did have an answer for.
