Absolutely a bimodal distribution. I wonder how it lines up with income? Anecdotally, my wife and I are high earners but we really haven't changed much in our l

Absolutely a bimodal distribution. I wonder how it lines up with income? Anecdotally, my wife and I are high earners but we really haven't changed much in our lifestyle between early in our careers and now. Same house, same paid off cars, etc... A large percentage of our income shuttles into emergency fund, 401ks, backdoor roth, HSA, SEP IRA, and then DCA'd into traditional investments. I honestly don't even think about my spending or savings, we're well within our means and it just happens. We have friends and acquaintances in the same income bracket and many are leveraged to the gills, don't fund their 401k, don't have any emergency savings, etc... Hell, they're often using margin for risky investments.