That $20'000 figure is when you've already bought your furniture, appliances, house, car, etc. And you live in an area where costs are significantly more reaso

That $20'000 figure is when you've already bought your furniture, appliances, house, car, etc. And you live in an area where costs are significantly more reasonable, such as a small town in Colorado where the author lives vs. the bay area, one of the most expensive places in the USA to live.