[sailfast]

I really liked this article as it was thought provoking and motivational, with interesting data to back it up!

That said, I don't understand why 750K-1.5M for housing was considered in the one-time expenditure equation. Your home is an asset as well as a monthly liability, and you don't need to have it paid off in order to build wealth, either in prices or in savings while you pay off your mortgage.