I live in a quite nice 2br condo in Seattle proper. I make just slightly less than you do. I don't live frugally at all, including eating out far more than I sh

I live in a quite nice 2br condo in Seattle proper. I make just slightly less than you do. I don't live frugally at all, including eating out far more than I should and plenty of discretionary shopping. I have nearly $80k in student loan debt, and I contribute liberally to retirement accounts. Even with all of that, I've got a healthy buffer in my budget, which is currently going towards a rainy day fund, and will be redirected toward loans after that. Within 3 years I expect to have a big buffer of money that I don't think I could manage to spend. So it sounds like the problem is either: you aren't living frugally by reasonable standards, you're leaving something big out (dental ranks on your biggest expenses?!), or you have such astronomical standards that I can't ever see you being satisfied.