If you have a sufficiently selfish utility function, it may make sense to spend that extra money on french restaurants and the bigger apartment. But otherwise, yes, the lowest hanging fruit are spending less money on things like going out or new electronic toys.
If you have a sufficiently selfish utility function, it may make sense to spend that extra money on french restaurants and the bigger apartment. But otherwise, yes, the lowest hanging fruit are spending less money on things like going out or new electronic toys.