They're also including a mortgage that's paid off lmao. Yeah totally, $40k is plenty. You just need to not have kids, have a paid off house, no loans, live in

They're also including a mortgage that's paid off lmao. Yeah totally, $40k is plenty. You just need to not have kids, have a paid off house, no loans, live in LCOL area, get grandma's inheritance, have it come from a retirement account with minimal taxes, hope inflation doesn't kill your $40k over time, hope healthcare costs don't continue to rise, etc....