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What seems clear to me is that the concept of comfortable is very subjective. I also live well without 30% discretionary spending. It is possible to live well without most of that part of the budget, or to allocate more to savings.
What seems clear to me is that the concept of comfortable is very subjective. I also live well without 30% discretionary spending. It is possible to live well without most of that part of the budget, or to allocate more to savings.