As someone on the Fire journey, 38, married, no kids, $860k NW I avoid spending frivolously, especially if it's not healthy. If I am with a group setting in a pizza shop, bar, or ice cream parlor, I make some excuse about recently eating, or being on medication, or watching my cholesterol, and just get a water. Somewhat often, someone will buy an unsocilicted beer, ice cream, slice of pizza, etc., and give it to me, or insist on buying me something, even if I try to refuse. That someone, even through it's a different person in a different company, frequently lives paycheck to paycheck. I always feel awkward in that situation, but I don't know how to politely explain to people that I have more money than they ever will, and that if I wanted a beer, I could have bought it myself, and thank you but no thank you.

Thank you everyone for the great feedback. Hopefully I'm summarizing it correctly. Don't be a dick, buy a club soda or something you are okay consuming so that you don't make people feel awkward by being the only one with something to eat/drink while they're eating/drinking, and be gracious accepting gifts and compliments and be generous to others, so that you don't feel guilty, and so that you're less of a dick.