Probably because what they ride are more akin to motorcycles rather than bikes, and theyre the most egregious when going the wrong way down those lanes and running reds. I dont order delivery because I dont want to compound on those problems, but I also get there isnt a perfect “lane” for them to use, sidewalk is obv bad but riding in traffic isnt ideal.

Safe, conservative investments mostly, just because you have money doesn't mean you need to buy "stuff". I live pretty much the same I do as when I was cleaning toilets for $15/hr 6-7 years back.

I lived on like $27k last year and cleared about 10x that after taxes, and it wouldn't be that difficult to get down to $24k.

$1300 rent+utilities, splltting a 1-bed with GF

$200 phone (I pay for my parents)

$300-400 food

$30 laundry

$80 gym

~$200 subway/clothes/concerts/toiletries

$20 for youtube premium and peacock

I'm just lucky in that I was not well off until about 30 so I never got used to material or finer things. My hobbies are super cheap in basketball and guitar which I already have everything for, maybe the occasional video game. I also have a full wardrobe which I don't really buy for anymore because I bought good clothes a few years back . Even going out is fairly cheap when I just have like 2-4 beers and jazz shows are not that bad.

I do have the luxury of working from home and health insurance covered. Also live near Trader Joes so I ust cook a big meal like 2-3x a week and have the leftovers for lunch. Occasional splurge $100 at a restaurant but I'm also down for the occasional $1 box mac n cheese dinner to even things out.

I did splurge a couple months back and got a 2-bed with my own office so almost doubling my costs but obviously I can afford it, but my budget has always been like $1500-2200 a month since I can remember before that.

edit: should also acknowledge I'm childless and that is an entirely different can of worms