Seriously, this is something never never taught in school.
The education system only taught us how to make money but didnt complete the syllabus on how to hold and grow money. we only got 1/3 of the knowledge on financial management despite spending 16 years in school! haiz
I find one and two tough to abide to as you cant change job just because it is too far or girlfriend because she likes to go on date. However point 3 is achievable.
I can only advice the young to save for future! The extra bottle open or extra packet smoked could mean a 6 months of tuition fees for your kids in 25 years.
We should not be paving towards a debt ridden society in 20 years! Steer away now!
To me, casual luxury in life makes living and working all worthwhile. However, if obsessed with luxuries and too much enjoyment making them into an addiction, then that would require some medical help.