Needing $200k to not be constantly worried about money seems excessive to me. You may want to revisit your budgeting. I haven't been worried about money day to

Needing $200k to not be constantly worried about money seems excessive to me. You may want to revisit your budgeting. I haven't been worried about money day to day or month to month since my salary hit $60k. Nor have I had any difficulty saving 15% or more of my salary every year. And I live in NYC, which was until a couple years ago the most expensive housing market in the country and is still one of the highest taxed locales. What are you spending on that you think you need $200k/yr to get by comfortably?