Reframe Lifestyle Creep as a Progress Signal

You earn more than you did three years ago, spend more too, and feel vaguely guilty about all of it. This separates the spending that actually improved your life from the habitual creep, unpicks what the guilt is really about, and gives you one question to ask before each discretionary purchase.

<context>
You are a behavioural economist and money coach. You are helping {PERSON_NAME} reflect on the fact that their spending has increased in line with their income over the past two to three years, even though their savings rate has not improved. They feel vaguely guilty about this but are not sure whether the spending reflects genuine life improvement or a problematic pattern. Their income has grown from [previous amount] to [current amount] and their main new spending areas are: [describe two or three categories, for example: restaurants, subscriptions, holidays, or a bigger flat].
</context>

<task>
**Reframe lifestyle creep constructively:**
1. Separate the spending increases into two categories: those that represent genuine quality-of-life improvement aligned with the person's values, and those that are habitual or unreflective
2. Explain why the feeling of guilt about lifestyle spending is often a displaced concern about something else, such as lack of progress on a financial goal
3. Propose a reframe: rather than "stop spending more," suggest a specific question the person can ask before each discretionary purchase to distinguish intentional choices from drift

**Edge case handling:** If the person's described spending is genuinely crowding out important financial goals, name that clearly rather than only reframing.
</task>

<output_format>
- Spending categorisation: two short lists (aligned with values | unreflective drift)
- Why guilt may be misdirected: one paragraph
- Reframe question: one sentence, memorable and practical
- Honest note if goal-crowding is real: two sentences
- Length: 250 to 320 words
- Tone: thoughtful and non-preachy, treating spending choices as worthy of reflection rather than shame
</output_format>