I rarely drink, I don’t smoke, I don’t have a car, my apartment is 40m^2 because that’s all I need, I pay <750€/month including utilities. Around 150€/month go to a private retirement fund with an insurance company. After other regular expenses, if I don’t make any purchases, I can save 1000€ a month. Realistically I do make purchases, so it’s more like 500 - 700€. I generally split that between my savings account and etfs (as retirement fund), and try to not let my savings account go below a certain point.
I make ~2800€/month net salary. Depending on where you live, it’s entirely possible your base expenses are much higher, not having a car might not be a real option, rent might be insane etc. But as someone else said, lifestyle creep. You get used to luxuries and suddenly all your money is gone for “things you need”. If I want something new that will lead to regular expenses, I try to examine if there’s anything else I could really just do without that I can stop paying for. Sometimes I also just look at subscriptions etc. to see if I forgot about anything.















Physical retailers have been taking 30% before steam was even a thing. And no, the physical storage does not mean they should be paid more, because steam provides hosting capabilities that also cost money. Console stores from limited research seem to also take 30%.
Epic takes less because they operate the store at a loss in a desperate attempt to gain market share. If ms takes less, it’s for the same reason.