This is true. But unless one close to poverty or have some fixed obligations (like care for person with special needs) there is always a way to cut 25%. Smaller

This is true. But unless one close to poverty or have some fixed obligations (like care for person with special needs) there is always a way to cut 25%. Smaller house, less unnecessary buying, etc. I’m not saying it is a way to go, but for some people it looks attractive.