That’s still not really true. Your healthcare is approximately free when employed and you pay ~1k/mo when unemployed. But your saving rate is much much larger s

That’s still not really true. Your healthcare is approximately free when employed and you pay ~1k/mo when unemployed. But your saving rate is much much larger so that expense isn’t actually high. I think the bigger issue is housing prices (if you live in US hcol) as even modest apartments can be 3k+.