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@Adamlett For cost of rent, yes. For insurance, I feel like it's the other way around — now that I'm fairly well off, I forgo a lot of insurance to save a trivial amount of money, e.g., I only carry liability car insurance have to pay for my repairs if I'm at fault, if my car gets vandalized, etc.

But, even there, if you look at my total automotive expenses, they're much higher now than they were when I was poor because my car actually costs something, so I don't think this qualifies.