I will acknowledge that I have some life circumstances that made this easier (no kids or spouse), but for the past decade or so, when I was planning to retire "early" (didn't make it, thanks covid), I assessed all potential expenditures through the prism of: Will I enjoy X now more than I will like having that extra money in retirement? Most of the time it was a "No".

I have a budget Android phone, not $500+ iphones. A 32" Roku TV that I bought well after many were buying 60 inch plasma TVs. I keep my cars (not pricey SUVs) for 12+ years. My treat to myself was going away to "art camp" for a week each summer, which ran about $2000 or so. I didn't drop $10 a day at Starbucks (though I worked with many people who did). Brought my own lunch to work most days. Etc.

I use the public library, which has more than enough books I want to read. The only books I buy are crafts books. I mend my old jeans (yes I still fit in them!).

I don't feel "deprived" because I never developed expensive tastes to have to cut back on. Because I am typically a late adopter of new tech, when I replace my old tech, the new stuff feels luxurious to me in comparison.

I just retired in December, and will be able to live comfortably, if not extravagantly, on Social Security (last 5 years, well paying jobs), a small state pension, and my own IRAs. That is worth 20 iphones, 3 SUVs, and hundreds of pricey frappacinos.