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Matt_Simpson comments on That Magical Click - Less Wrong
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Surely you should be asking about the marginal utility of money spent on eating out before you ask about money spent on cryonics. What is this strange mental accounting where money spent on cryonics is immediately available to be redirected to existential risks, but money spent on burritos or French restaurants or an extra 100sqft in an apartment is not?
If you have a sufficiently selfish utility function, it may make sense to spend that extra money on french restaurants and the bigger apartment. But otherwise, yes, the lowest hanging fruit are spending less money on things like going out or new electronic toys.