I think there is only one luxury that really matters:
To not have to worry about money.
Nothing else matters. Cars, homes, skiing, are fleeting. Fancy dinners, watches, and the rest do not matter. They are little bites of dessert.
But the hope to make enough from your start-up or other endeavors, enough to not have to work for someone you don’t want to, or to work on anything other than exactly what you want … is the greatest luxury of all.
Then your time on this planet is in your hands.