Time also plays a part.

When I was staying at home with my kids and poor as fuck, 4 people living on $15k, if there was gas in the car I could just take us spontaneously to the park, and my city has free music performances on some Thursday nights, if I have free time I can just make a last minute decision and go.

So now I have a good husband who earns $ and a good job, not rich but certainly more affluent than at any time in my life, but I am much less rich in time. Job takes a lot of it, more responsibility overall and less flexibility.

I don't think spontaneity scales with money, it scales with free time once you have enough money. And that "enough" is not a lot.

I think it has a lot to do with disposition and convenience. I'm lazy, and I don't like to drive if I can help it. But I live near enough to public transportation that we'll spontaneously decide to hop on the subway and grab dinner on the waterfront.

It's not the money that's preventing us from hopping in the car to go to some new beach for dinner, it's the convenience.

I spontaneously go to work because I need a salary.