[ksdale]

I was just writing a blog post about this, that people basically just find new ways to consume all the money they earn so that they're always on the edge. And a lot of people who make $40k scoff at the idea that they would still be scraping by at $140k, but lots of people go from making $40k in their 20's to $140k in their 40's and basically nobody retires comfortably in their 50's because $140k a year provided them with so much extra money. Rather, 50-somethings work just as much or more, they just tend to have much more expensive houses, cars, and hobbies than 20 year olds, and they still put just 4% of their income toward retirement, if they're careful.