> regardless of your income level, you can almost certainly live on 10% less This did not become true for me until my very late 20s, and by that point I was so

> regardless of your income level, you can almost certainly live on 10% less This did not become true for me until my very late 20s, and by that point I was so well adapted to living on the edge, in a world which offered no end of surprising new ways to knock my financial situation out from under me, that it took years more before I started to see any value in planning for anything more than a couple months away.