> I'm comfortable and not under any financial duress, How comfortable? Maybe get less comfortable. > but even at that income I'm saving very, very little livi

> I'm comfortable and not under any financial duress, How comfortable? Maybe get less comfortable. > but even at that income I'm saving very, very little living in a HCOL and high tax city. It may not be the city. Do you make all your meals from scratch? How much do you spend on drink? Etc... This looks more like a budget problem than a cashflow problem.