I believe everyone has a different way to define luxury is and it doesn't necessarily mean money. For me, it's having the collection of books and having the time to read it<p>I would love to know how you (would like to) define it.
I have lived for months on end in exotic five star hotels in parts of the world where my mighty American dollar (at the time) was five times more purchasing power (business adventures on my own terms.)<p>Luxury for those with taste (no fine pearls before swine) is carefully and thoughtfully crafted. Not expensive to price gouge, expensive for every step in caring for is taken, consideration made.<p>I too in my time have learned the art of living lean. When I have nothing I am vigorous by my apatites.<p>The only challenge is overcoming the inconveniences of the self. Do your future selves favors and that self will have abundance when that future time comes to pass.<p>Living on one’s own terms is the greatest luxury of all.
Personally, "luxury" is stuff I don't need, don't want all that badly, and for which I can trivially imagine better uses for the money.<p>OTOH, I'm an old geezer with a modest lifestyle.
Observing my behavior the few times I've had a corporate card, the answer is "Ordering off the $8 menu at Denny's instead of the $4 one"