You're still spending half on ... stuff because once you're at sufficiently high amounts it's not going to necessities anymore. Then you lose your $500k job in

You're still spending half on ... stuff because once you're at sufficiently high amounts it's not going to necessities anymore. Then you lose your $500k job in tech and have to find a lifestyle that can fund you $250k expenses a year you've gotten used to. It's a real thing. Not for everybody but for many.