You are making a lot of assumptions about how people spend their money. You are out of touch with reality.
“blowing money on other stuff” - what does that mean? The $80 a week we spend for groceries? We do not ever go out to eat. I pack a lunch for work every day. Maybe we are blowing money on the $181 monthly gas/water bill or $151 electricity? $5,000/year for real estate taxes? $3,000/year for homeowner’s insurance? How about this one: Over $6,000 for health insurance premiums that I cannot even use, because of the co-pays and deductibles.
But you seem to have all of the answers.
It’s your budget, manage it. If you’re living beyond your means pick either side of that equation and change. Maybe the house is too big, maybe there’s too many doo-dads, maybe you’re just not making as much money as you think. We’ve developed this American stereotype of the guy with the new smartphone sitting in the coffee shop having his usual complaining he can’t afford stuff. You can decide if you’re living up to that or not, I’m just pointing out that people who are living up to that made their own bed and if they’re shortsheeted that’s on them.