Live on what you earn
Be satisfied with what you have
If you earn enough to afford one chappati per day, then only eat one chappati per day. Don’t borrow and try to eat 5 chappaties.
If you earn enough to afford a one bedroom home, then live in a one bedroom home. Don’t get into debt by living in a 5 bedroom home.
Material education (doctor, lawyer, engineer etc..) is a luxury item, only study (course and place) what you can afford.