Most things in life are as hard, or easy, as you make them.
I know I couldn't afford the maintenance of an indoor swimming pool, so I don't have one . . . or a private helipad.
I also don't own 3 houses and a yacht, don't employ a chauffeur, maid, cook, fitness guru, or gardener.
I once contemplated a private masseur, but the wife insisted on a young, bronzed, muscular male, so I kicked that into touch.
Admittedly I haven't been on £80k a year for the past 20 years though