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I could probably afford to drive a Ferrari if I decided that was more important than eating wherever I want, vacationing wherever I want and wearing whatever I want, but it's not so I (will soon) drive an M3 and do all of the things. Shit, if I didn't put away for the future, I could probably also have the M3 as my daily. It's all about priorities, perspective and your comfort zone. I also have half a million dollars in student loans and I know plenty of people that put their life on hold and lived like a college student for a few years to pay that off before living their best lives... I, myself, did not have the patience.
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