Radically re-evaluate how you define luxury.
Is it really the big house, the fancy car, and the status purse that are worth your time & money?
Or could luxury mean a clean environment at home and in nature?
Or quality time with your family,
Or putting financial energy in your savings account,
Or supporting your favorite charity?
Shed the cultural conditioning that has put your heart & mind on autopilot; do you really want what the mainstream tells you to want?
Luxury is every day.