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[quote=Anonymous][quote=Anonymous]I think the people who are disbelieving share a lot in common with the people who can barely make ends meet on $300k. Believe it or not, there are people who don’t feel deprived if they are living a life without international vacations, private school, second homes, etc. They may also not even see the value in daily visits to Starbucks, cable plus multiple streaming services, upgrading cars and phones after only 2-3 years, eating out/getting takeout multiple times a week, wearing the latest fashions, etc. I’m not talking about eating rice and beans every day, but if one is careful with their money, buying things only when they go on sale, and living what some might consider a “boring” life, they can manage to save half their income while not feeling deprived. It’s all relative, and we all make choices. [/quote]

It's not about making ends meet on 300k. I fully believe OP would be able to accumulate $3M in retirement and 400k+ college savings on a 275k income. But she couldn't have been making 275k every year for her entire working life. And even a modest life for a family of four in the DMV isn't cheap. Housing, taxes, commuting costs, cars, child care, child expenses, it all adds up and that's without private schools and shopping at WF and fancy vacations. She also doesn't mention any home equity or other assets, which one would think someone who's been such an aggressive saver from the get go would also have and mention. It's altogether a weird set of information to put forward and doesn't play off each other coherently.

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