You are being contradictory. You say you are rich because you have options, but you also criticize your friends for making what you think are bad financial decisions, which you say you have the option to make. You are not "the rich guy who made it" for renting a house and not having a car, you are simply a person who made some different decisions in your lifestyle.

Just tell me one thing, whats the purpose of having money if you are not going to enjoy it?  I mean, I have my own house, I own my own car, and I love to travel whenever I have the time.  But no, I am not in debt, and I dont work for corporations anymore.  So you see, there really not so clear-cut and dry as you think.