This is the wrong question. A better question is "would 'tough times' affect you at all?" Never couple spending to income. That's a recipe for always feeling

This is the wrong question. A better question is "would 'tough times' affect you at all?" Never couple spending to income. That's a recipe for always feeling poor. Instead, find a baseline where you can live and make sure that it lies at such a tiny fraction of your normal income that you never need to think about thinks like "budgeting" or "saving". So if you're fresh out of school with your first $50k/year job, make sure you can fit your entire life into $20k/year. When you take that $120k/year job a few years later, live on $20k/year. When you crack the $300k/year barrier with your RSUs from Google, live on $20k/year. That is how I've always approached things, and it makes life a lot less stressful (since it removes the number one worry that everybody else has from the equation). There were several years when I was traveling and consulting where I'd only take one little $10k gig a year (or nothing at all), and there was never a question of running out of money because it naturally went out the door so slowly. If you do what everybody else does and ramp your lifestyle up to meet your income, you're just ensuring that you'll be in trouble if things go south. But once you have a dozen years of accidentally saving (n-20) per year, you can survive for years at a time with no income at all, so bumps in the road don't feel bumpy at all. Fix that and you'll stop needing to ask questions like this one.