Poor people have mainly one problem: affording basic needs. As you get more you have lots more problems (in quantity, not severity). How much takeout is too much? What home improvement to prioritize? Estate planning? Who to hire to do taxes? House cleaner? Security (to protect the money)? Do you know a good travel agent? Insurance, upkeep on assets, investments. Am I charitable enough? Why am I still depressed? Should I see a therapist? Do I need a personal trainer?

Choosing how to spend money, is itself a problem. The only way to avoid the extra problems is to keep living like you’re poor, but without worries. Only buy what you need and know you can afford it.