Not sure savings on those fixed costs are as impossible as you make them out to be, rather they may take substantially more effort than the "skip a coffee" line

Not sure savings on those fixed costs are as impossible as you make them out to be, rather they may take substantially more effort than the "skip a coffee" line. Housing -- do more with less. How many people buy houses (or cars) beyond their means or bigger in size than needed? Health -- daily movement is a life long commitment (as is finding time for sleep) and has outsized long term health benefits. No this doesn't address the "hit by a bus" scenario, but in terms of some of the most prevalent chronic health conditions it's amazing ROI. Education -- while there is an undeniable tyranny of geographical circumstances, being able to evaluate using community colleges for prereqs, considering alternatives like trade schools, and taking into account expected lifetime earnings for career path all can play into this fixed expense.