6. Leisure
This talks about travel, going outside with your family, an other things on which this would be that out of the budget
I totally agree to you on this cause overtime there's this local adage that says "All work and no play make jack a dull boy " this implies that no matter how busy or studious one can be there's time for fun and play which also adds up to the person wellbeing. So adding leisure as part of the things one can spend money on its fine by me, cause one still needs to allocate money for recreational activities that they derive joy from.
I see leisure as a personal reward for every mile stone achieved and every success level activated. Just has success comes in different levels, I believe leisure too should. Sometimes it mustn't be too big the idea is to stay happy and proud of all the achievement when you look back at how it all began.
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.
While spending on luxury we should also try to keep it within our means. A luxury that will have to cripple our investment portfolio is never worth it at all. Enjoyment is good same with travel but the impact is only but temporal. Personally I love enjoyment but it should be what I can afford at the moment.