I also know millennials who live in NYC, have $180k+ student loan debt and continue to live as if they're making $100k a year (which doesn't go far in NYC) alth

I also know millennials who live in NYC, have $180k+ student loan debt and continue to live as if they're making $100k a year (which doesn't go far in NYC) although they're un-employed or just doing sporadic temp work. Also - you don't have any insight into my TC... In your opinion - what constitutes "common place" both in terms of "expected lifestyle" and $$ situation (debts, money in the bank, etc)?