I don't want to overthink but how can one finance this lifestyle?
After meeting many people on my travels, I realized that this "lifestyle" is less about money, and more about the mindset. I'm not splurging, also not frugal, but some people are. Having an Excel (Libreoffice) spreadsheet helps a lot with planning :-)
Edit: I don't have debt, children, neither spend money on luxury items (or, well, items at all, I'm a minimalist).
Didn't do anything special to save except not having kids.