“We got married a few years ago, we have a baby. Despite my best efforts, we still live with my parents. The problem is that, that I am thrifty (I want to earn some money quickly, something to put off in old age), and the wife wants to play. He says, the time will come for stabilization.”
You are both right: you have to take care of your future, but at the same time entertainment should not be abandoned, e.g.. holidays or meetings with friends. The best way to solve your problem is to compromise. So both of you should understand your needs. I advise you to talk to your wife about your plans. Set the order of your life goals and the deadline for their implementation, at the same time taking into account the expenses for entertainment.