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I only made $160k last year, this is my first $200k year. About $120k the year before. And I spent $18k on replacing my moms sewer system this year after hers failed.
It's a balancing act. I'm sending about $60k to mine and my parents' retirement accounts. Most people would recommend padding out my emergency fund before that, but I play things with a bit more risk.
But also yes, cost of living. Box of cereal, $8. Even if you're frugal, it's a lot.