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I'm not entirely convinced wrt your meticulous financial planning.

I think I was earning less than you yet managed to save the vast majority over my 15 year career earnings. Then my partner died and I was left raising a toddler by myself. It wasn't easy, but at least I don't have financial problems, thanks to a little financial planning.



If you had a long term partner, you're already splitting everything in half, it's a lot easier to save then.


We were not splitting everything in half. I paid perhaps about 80% of our expenses.

But yes, for some years I was earning a couple times more than the average person, while spending slightly less than the average person...




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