What people mostly know is about needs and wants. So, we have to spend our money with the needs first before going with the wants. And the luxuries that you've mentioned is better if it's said as wants. Because that's indeed what we have to spend sometimes to give ourselves the luxuries of having a job and why we work for it. We provide but we also need to provide for our own happiness. If things such as what we like to have makes us happy, we shouldn't deprive ourselves with it because as long as we are paying the bills, we provide food to the table, we deserve that kind treat to ourselves.
Its a must to solve our needs before investing in Bitcoin or any kind of investment. No human can live alright and think about making investment while needs are not being met, the essentials of quality livings needs to be proportioned in the first list of spending. Bitcoin investment shouldn't affect our standard of living, not for those who display high standard above their financial capability, those who leave above their income will always return back to their investment for further survival when the main source for expenses finishes.
I like as OP kept luxury last, its rather not important when you don't have enough to spend for the lifestyle.