We live within our means, it's not hard and once you're in the habit it's easy to maintain. The ol' lady's truck is a 2005 but low miles and very dependable. My "new" truck is a 2002. Zero debt, rarely if ever use credit card.
My main indulgence is my Harley (2007) but it would be gone if I couldn't afford the maintenance and insurance.
This is why the military encourages servicemen to take EE Bonds; instant emergency fund.