5. Luxury. When I mean luxury, I do not actually mean it has to be expensive. But I say luxury because there are things that we do not need but still want to have or experience like traveling or eating at a good restaurant. I believe that even though we should be smart in finances this does not mean we have to completely deprive ourselves of enjoyment.
I think this point is more accurately called DESIRE (based on the material explained).
Desire is something that is not essential, in other contexts it can also improve the quality of life, such as wanting to have luxury goods, eating at luxury restaurants, entertainment and vacations, these things are choices (not too much of a priority), you can arrange the right time to enjoy the pleasures of life when you get additional income.
I prefer to make wiser financial decisions to achieve better life goals, savings are certainly very much needed and can also be used as emergency funds, but when the funds are not touched after monthly financial planning, I will allocate them into investment.