I don't think it is a big deal. He can adjust his lifestyle easily. My HH income is only $160k pa but we still manage to service our condo's mortgage (only $200k mortgage loan remaining, paying by CPF) and we have no problem buying a new car, paying off in cash.

We chose a cheap car (so that we can fully pay off in cash) and not one of those expensive conti cars. We don't care that it is a cheap car as long as it can bring us from one place to another. There are people who likes to show off driving an expensive conti car but they are heavily in debt.

We are frugal when it comes to spending but generous in our donations to meaningful causes.