Ridiculous. I was living in Midtown Atlanta making $70k and reliably maxing out my Roth, plus contributing to an HSA and 401(k). Saving money doesn't require y

Ridiculous. I was living in Midtown Atlanta making $70k and reliably maxing out my Roth, plus contributing to an HSA and 401(k). Saving money doesn't require you to be in the top 10%. It certainly does require disposable income above and beyond what can buy the bare necessities, but as you pass that level it increasingly requires restraint and discipline.