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It's an odd thing, I make good money, and by managing it I make a significant amount of money off my money. I should be quite comfortable, but I have to store away vast sums in case things go poorly for me and have health issues (which given my history is very likely).
I think these things struggle to account for personal issues. Friend of mine pays twice for a small apartment in San Francisco than what I pay for a large house in Kentucky. They make more money, but spending thousands more every month just for place to live takes a big chunk out of those earnings.