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Did you have that one student in your college or school who would never be seen studying, but would still end up getting excellent grades?
I sure did.
And looking at his carefree attitude, even I used to take my studies lightly many times.
While I was able to copy his attitude, my results were nowhere close to his.
It was only in the final year that I found out how he managed to score well in spite of being free all the time.
Turns out, he was taking tuitions of every subject in our summer vacations.
Moreover, he used to wake up early every morning and study before we were even awake!
Similarly, when you see people carefree about their money, spending lavishly on their luxuries, don't forget that you have no idea about their actual finances.
They might have saved enough to last a long time, or might have SIPs in place for all their goals.
By the time you realise this, it will be too late.
Don't copy lavish spending habits, copy investing habits that will truly make you stress free for life.