These numbers seem optimistic, in that inflation probably makes them higher and there’s no discussion of medical insurance unless it’s folded into take home. I

These numbers seem optimistic, in that inflation probably makes them higher and there’s no discussion of medical insurance unless it’s folded into take home. If one assumes a monthly budget of 6k, this leaves 60-70k. Assuming saving for retirement > saving for house, that could consume as much as 30k (15% of income). Can’t rent retirement. Way less cash to save from.