All points taken, except 5). In major urban centers, $25k is too little to save up. But in many other parts of the US (especially where I live in NE Ohio), a si

All points taken, except 5). In major urban centers, $25k is too little to save up. But in many other parts of the US (especially where I live in NE Ohio), a single person could save a good amount making 25k a year. People around here raise families on that.