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The ability to be spontaneous in life is directly proportion to the size of your bank account
(self.showerthoughts)
A "Showerthought" is a simple term used to describe the thoughts that pop into your head while you're doing everyday things like taking a shower, driving, or just daydreaming. The best ones are thoughts that many people can relate to and they find something funny or interesting in regular stuff.
Time also plays a part.
When I was staying at home with my kids and poor as fuck, 4 people living on $15k, if there was gas in the car I could just take us spontaneously to the park, and my city has free music performances on some Thursday nights, if I have free time I can just make a last minute decision and go.
So now I have a good husband who earns $ and a good job, not rich but certainly more affluent than at any time in my life, but I am much less rich in time. Job takes a lot of it, more responsibility overall and less flexibility.
I don't think spontaneity scales with money, it scales with free time once you have enough money. And that "enough" is not a lot.