You bring up a great point. Once I applied for a mortgage and showed that I had a part time job and a small business. I had made some changes in my financial structure so it looked like on paper that year my company was failing even tho personally I made more money consistently over the years. Didn’t matter, my loan got rejected cuz technically the business was making less money.

Either you’re too rich or bad at investing.

I’d like to add that not everything is inflating at the same rate, so you can certainly consume less of the crazy priced stuff. If you’re forced to buy it, like auto insurance, then start getting quotes from competitors.