I have coworkers like that too, guys who've been working for much longer than me (and getting paid more), without savings. We're not working at a minimum wage job, how do they even manage to spend all of that? Do they not plan on retiring one day? You can't possibly work till the day you die
Oh, that part is easy. I could spend everything I have and more very quickly. It takes a little forethought and willpower (and perhaps paranoia about the future) not too!