Anonymous
How do they afford and yet also able to dine out?
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Some people enjoy being validated by the feeling of attaining something and enjoys showing it to gain admiration. They consider this success. But I do think that real richness is also contentment, peace and being able to enjoy the simple things in life, like walking to the bus stop (some people couldn't walk). So I think no point guessing how these people make their money. They could have a lot of credit card debts and spending forward.
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It is called loan/debt.
Everyone's situation is different.
Rather than trying so hard to work out the math about other people's personal lifestyle/expenditure, might be more constructive to ask yourself:
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Loans. I think most getting second hand
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Sad, i cant afford after work close to 8 years, barely surviving....
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They might have lesser committements, or they are willin to spend more, and save lesser