You know, "bills" covers pretty much everything. Rent, electricity, water, anything that requires monthly pay (subscriptions, renting hardware, renting cars, paying monthly for something you bought online). So once you eliminate all those, sure, I guess it is a lot compared to a piece of bubblegum, but not compared to life. Of course, computer hardware doesn't fall into your exclusion list, nor does a (decent) television, game console, anything related to home theater or home appliances, many electronics, the list goes on. In the end, no, it is not a lot of money.