I found, for myself, that monthly subscriptions are constant drain which one tends to forget about. Then add one for Sirius radio and another, soon one starts to wonder where has the money gone? Gee I thought I was doing better than that! Years ago with it first came out, I saw that early on with the ad free radio and realized that subscriptions can drag one down since they would be forgotten and never cancelled as each of them fade from memory. Same reason I do not jump for the next new model car with the car payments tying up the cash flow. If one can get rid of monthly payments other than housing, electricity, heating-cooling [gas and or electric], water and sewage, then one has more money for interests such as photography, travel, hiking, camping, boating, ... whatever one is interested in. Get rind of unnecessary income drains and live can become much better, even if only to be able to withstand life's emergencies or disasters.
Just think how many cameras or lenses you could buy if you were not tied down by subscriptions.