May, stop worrying and wasting your breath as they will never listen to you and you will be the one losing sleep not them.
Plus each generation has different ideas as to what are essentials and what are luxuries - my mum despaired of me and I dispair of the current generation.
Yeah it does make you wonder
When I had very little income the bills were paid first and if there was anything left maybe, just maybe, there might have been a treat but my gran always took x amount out for a rainy day (in fact she wanted it for her funeral!) and lived within what was left. She worked well past pension age on a very modest wage but always put the weekly amount away no matter how frugal that meant the food on the table was.
I think it stems from knowing that there wasn't any benefits if you were laid off. She was terrified that she would be left destitute as the days of the workhouse was a shadow from her childhood and the thought of a paupers grave haunted her.
Now socialising, tetchy stuff, travelling around the world for a year is taken for granted and if it all goes belly up someone else will pick up the tab.
Mind you they all seem to get on ok which makes you wonder if we are the stupid ones!