> that's down to $85k in savings if you live frugally Saving $85k per year, which is way more than the median income in the US, is fantastic for a family of 5,

> that's down to $85k in savings if you live frugally Saving $85k per year, which is way more than the median income in the US, is fantastic for a family of 5, while simultaneously building equity in one of the most expensive markets. And $5k in personal expenses per person per month is hardly living frugally, especially for a 1-income household where presumably child care (and pre-school) isn't necessary. I don't live in an HCOL area, but non-discretionary expenses for just me, besides rent/mortgage, are about $1200/month. Food and clothing aren't 4x as expensive in SV are they?