You can consume a lot less on a surprisingly small salary, at least in the U.S.

But it requires giving up things a lot of people don't want to, because consuming less once you are used to consuming more sucks. Here is a list of things people can cut from their life that are part of the "consumption has gone up" and "new categories of consumption were opened" that ovi256 was talking about:

- One can give up cell phones, headphones/earbuds, mobile phone plans, mobile data plans, tablets, ereaders, and paid apps/services. That can save $100/mo in bills and amortized hardware. These were a luxury 20 years ago.

- One can give up laptops, desktops, gaming consoles, internet service, and paid apps/services. That can save another $100/months in bills and amortized hardware. These were a luxury 30 years ago.

- One can give up imported produce and year-round availability of fresh foods. Depending on your family size and eating habits, that could save almost nothing, or up to hundreds of dollars every month. This was a luxury 50 years ago.

- One can give up restaurant, take-out, and home pre-packaged foods. Again depending on your family size and eating habits, that could save nothing-to-hundreds every month. This was a luxury 70 years ago.

- One can give up car ownership, car rentals, car insurance, car maintenance, and gasoline. In urban areas, walking and public transit are much cheaper options. In rural areas, walking, bicycling, and getting rides from shuttle services and/or friends are much cheaper options. That could save over a thousand dollars a month per 15,000 miles. This was a luxury 80 years ago.

I could keep going, but by this point I've likely suggested cutting something you now consider necessary consumption. If you thought one "can't just give that up nowadays," I'm not saying you're right or wrong. I'm just hoping you acknowledge that what people consider optional consumption has changed, which means people consume a lot more.

It’s been a very hard year