High-quality food (farmer’s market organic produce, grass-fed beef, fresh seafood) worth it even if you’re not rich. Investment in health. 

Fancy car only if you’re so rich the cost is de minimis for you. 

Don’t need more than 3K square foot house at most, arguably 2K, unless you have a large family. 

A house bigger than 2K is unpleasant to be alone in. Can’t only plan for max occupancy, but also min. 

I would do private jet if I could afford it. I detest airport security, lines, delays, etc. Skipping the airport would be incredible. 

Don’t need a private chef — learn to cook, it’s one of the joys of life. 

Housekeeper is worth it a couple times per week, especially someone you like and trust.