Dude. I’m a white guy in finance. I can afford to buy a luxury car. The car I drive cost $4,000 on Craigslist. It’s a great ride. I then took all the money I saved from NOT buying a luxury card and invested it in the U.S. stock market. Those investments will continue to grow so when I’m old, I’ll be able to buy several pet tigers, a waterslide that goes from my bedroom to the kitchen and a helicopter made of gold.