But how can we better define that threshold? Where you live and circumstances you have are just so expansive to control in a few sentences. One person threshold

But how can we better define that threshold? Where you live and circumstances you have are just so expansive to control in a few sentences. One person threshold can be much lower than someone else dealing with long term debt and family obligations but I didn't want to make it sound overly pessimistic by cutting them out in some way.