Woah. I hate to point out that you do sound like you are judging by saying someone should save money to retire earlier, give to kids, and give the money away.
What if the people don't want to stop working and already have enough to retire now but choose to work?
What if they don't have kids? What if they already give away 20% of their income?
Why do you assume that it's indulgent to buy an expensive car or nice jewelry? I think bill gates can afford it and can afford to retire now. Does it make him a bad guy?
Or warren buffet for his own plane. Over the top? Yes. But not in his lifestyle.
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