In this scenario, you're way overestimating with $10k for retirement. Put that figure at $5k or maybe even $3k. Long-term, is that ideal? Not really -- but as y

In this scenario, you're way overestimating with $10k for retirement. Put that figure at $5k or maybe even $3k. Long-term, is that ideal? Not really -- but as you say, you need to budget for clothing, entertainment, emergencies, vet bills, etc. Regardless, people and families do it all the time and do it on less.