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hello99,many boys are not very frugal. I have a brother in law that is learning in the Mir. He is a real masmid, would not miss a seder or zman tefilla, but likes to be comfortable, and enjoys nice things (like many of us). Mir serves 3 meals, but he’d prefer to buy supper, either go out to eat or quick takeout; schwarma, shnitzel… He enjoys the bagel shop, or pizza for lunch. He travels around by taxi (as apposed to bus) and occasionally, he and his friends will rent a car for a shabbos getaway to Miron or Tzfas. Nothing harmful, like I said, he is really ehrliche boy that doesnt make trouble, but he ends up spending a nice amount of money a month. All these little things add up…(and I am not talking about laundry and utilities)