Yes, of course, but that’s if you are eating out frequently, have a recent model year car payment, have a pretty loose leisure budget (or lack of), live in abov

Yes, of course, but that’s if you are eating out frequently, have a recent model year car payment, have a pretty loose leisure budget (or lack of), live in above average cost of housing, etc. Raising your spending to you means doesn’t make you living paycheck to paycheck. One can live in SF for less than 100k.