[wiz21c]

Well, I don't want to patronize nor be disrespectful but :

>>> frugal and minimalist lifestyle (no fancy car, no expensive holidays, no eating at restaurants etc)

This sounds like a very normal lifestyle to me. I have a "cheap" car (but have one nonetheless), I go to restaurants maybe 2 times a year (and not expensive ones; cooking myself is often much better), my holidays remains rather expensive though (around 1500 euros for the whole family).

Now, to make a joke : once you have kids, you don't have much time to enjoy a luxury car, expensive restaurants, or expensive holidays : all those little humans want is quality time with me (preferably, all my time) :-) You can also easily have cheap baby sitting in the form of a smart phone :-) (end of the joke)