a few notches lower like the choice of cutting chai made by people like me and other tiewearing gentlemen who dont mind the power comes from knowing that we can move up that hierarchy of choices easily but we can also easily settle lower if we wishwhat about moving higher that is what we know as lifestyle creep by shooting above ones league one gets quite used to spend at a level the finances dont support it is tough to climb down afterwardsbetween the extreme frugality of spending too little and the careless extravagance of depleting our wealth lies a golden mean that only we know for our money if we cared to see with honesty that is why this kind of finance is personalthe author is chairperson of the centre for investment education and learning