What wealthy people do with their money is rarely my issue, I barely survive and there is a saying "when it rains it pours" which is true in my case, I said this month was the last month that we had any financial issues, turned out not so much and still in trouble a lot longer. In the end, if a wealthy person doesn't know how to spend their money, then that is on them and I do not think that we are dealing with anything that makes any sense for me at all.

I think the reliable thing would be focusing on your own life, do not "get ready when you are rich" because considering the situation very few people will go from normal to very rich, get ready for a normal life and just make sure that you do not miss life.

Both save, but also live, do that together and you will be fine, too many people dream of becoming rich, so much so that OP literally asks how to avoid these luxury stuff when we get rich when we are not even rich yet, that makes absolutely no sense. You know what I want to be able to have when I get rich? A full coverage health insurance, meaning that I can be ANY sickness ever, and go to hospital, do not pay a single dollar and leave, I want that insurance, that's my luxury.