I think cash-wise i would fall in this bucket. Of course i have plenty of savings, but most of my income is spent away. One issue when talking about incomes is

I think cash-wise i would fall in this bucket. Of course i have plenty of savings, but most of my income is spent away. One issue when talking about incomes is that its not properly adjusted for COL and taxes. A 250k salary in the bay area is about 12k a month in hand. Im a head of family - I support my wife and my kid with this income. Rent is 5k, and pre-school is another 2.5k. Between unnegotiables like phone lines, food, internet, electricity etc etc the reminder to be stingy about is not a lot. I used to live in this area with 100k and still save, but as a single person living in a dump and eating in the office every day.