You seem to misunderstand my use of the term luxury when I referred to having a lump sum available to a person, such as having $5k available, is a luxury.
The meaning of luxury is that the guy has options regarding how to treat that $5k, which means that he has options regarding how to treat that $5k.
This reminds me of an old post of the blog mistermoneymustache, which says that the greatest luxury in life is not having to work.
This was always my ultimate goal. Only recently I started looking at some more luxuries in my life, as I became older and I decided that I must spend some money while I am still somehow young