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I feel like those who end up in your position end up one of two ways.
You know that you don't have a safety net, so you don't spend money more than you need to. Also, since it sounds like you support your family significantly, a lot of money that would go to vacations instead goes to them.
For others, money was an on/off switch; you either have it or you don't. These kinds of people will spend at or above their means because they can and there aren't any hard limits due to a lot of credit options.
Here they call them $30,000 millionaires - people who are living beyond their means in nice apartments uptown, driving expensive cars, bars, etc. - everything on credit, which will crash later, instead of living a regular ok life today. It's an old term so its now likely $60k.
Sounds like so many people in Dallas.