Mar 18, 2026
In this episode, Nathan breaks down the
reality of lifestyle creep. How your expenses naturally increase as
your income grows. Learn when it's justified and when it's keeping
you trapped. From personal stories of owning luxury cars to
practical budgeting strategies, Nathan reveals the freedom test to
evaluate every financial decision and why delayed gratification
during your 20s and 30s could be the key to true financial
freedom.
00:00 - So, what is lifestyle creep?
01:13 - Understanding lifestyle creep vs
inflation
02:08 - Personal story: from $50k to $100k
income
04:37 - Why lifestyle creep didn't affect
Nathan early on
05:59 - Common lifestyle creep
expenses
06:59 - Valuing your time and outsourcing
decisions
08:29 - Health, fitness and lifestyle
choices
10:24 - The cost of celebrating
promotions
13:00 - Budgeting strategies for different
life stages
15:00 - Wasteful spending to avoid
18:00 - The freedom test for financial
decisions
20:00 - Health vs material
possessions
21:21 - Budget, know your goals & apply
the freedom test
Make your move on your property journey
today: https://binvested.com.au/make-your-move-now/
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