-I am a kept woman.
-What does your husband do?
-He is a kept man.
-????
DH and I have a version of this.
Me: I have a rich husband.
He: I have a rich wife.
LOL, we're both right.
As to the specific question, we don't discuss finances much with others. We live in a fairy-tale clown house that happens to be on the same street as DH's office. His colleagues drive past our house on the way to and from work every day (DH walks). They ask him how the hell he can afford such a nice house so close to work. He just uses the rich wife line. They would die if they knew we have no mortgage.
So... how do you afford it? Do you just splurge on house but save on car and other expenses? Were you more frugal in your younger years?
The answer lies in Really Simple Math. It's also why I soapbox about waiting to pay down your mortgage until after you stuff your other investment accounts full. If you invest early, eventually those dollars grow to a point where they earn more than you do at work. And they keep growing, like magic, even when you stop working for a paycheck.
In our case, we married later in life. We each had a home, purchased with a mortgage and paid as scheduled. We each had 401ks', Roths and taxable investments. Right after we married, his dad died and we realized that his mom had ALZ. Neither of our homes were suitable, so we sold them both and bought this one, which we assumed we'd get a mortgage on. During the application process, the mortgage broker sternly advised us to wait until the following week to lock the rate, when we specifically asked to lock it that day. Of course, rates took a huge spike, which pissed us off. We looked at each other, said "Fuck that" and decided to write a check. We're still kinda sorry we did that, because mortgage money is so cheap, but there's plenty left in the 'stache.
Neither of us were ever huge wage earners. We never achieved a crazy high savings rate either. In my case, I was mustachian before Pete coined the term but I always saved for the future and enjoyed the here and now.
Superficially, DH was the opposite. He had tools, cars, motorcycles, boats, jet skis, even an RV. He was using Craigslist the way Pete advises when Pete was still in grade school. Buy it, use it, refurbish it, sell it for what you paid (or more) then repeat. He also did side gigs for ca$h.
The point is: this MMM stuff really, really works. Just get started. Sequence optimally, invest wisely, and keep the faith. Eventually you'll be sitting on a fat wad of dough and be as amazed as we are. And grateful.