Several times a year, I look at my overall income and then my savings account and feel like a terrible, wasteful, spendy person. I think, given how much I’m making, I should have been able to save $X. And then I remember to factor in tuition and how much it went up again, and I’ve actually managed to do ok.
Also, I would like to point out that I am in a very, very unusual situation. Most grad students do not have the kind of funding where they can pay tuition and save money. I also expect to be living on my savings for a year at the end of my PhD.