[PenguinCoder]

Congrats on having no debt of any kind. I have debt. I also strictly budget my income and expenses (also with a big ass spreadsheet). Healthcare costs me more than $300/mo. Daycare (1.8k/mo), housing (1.2k/mo), car ($600/mo all inclusive) and food ($550/mo for a family of 4), are my largest expenses. Don't tell me to get rid of the car; I don't live in a city or area with ANY public transportation. The car is literally, it. No I'm not moving to CA. I don't have luxuries to cut. I don't go out to eat, I don't have Netflix, Spotify, Amazon prime, or the latest phone (my phone is a One Plus 3). I use a service provider that costs me $60/mo for two lines (TOTAL - $60/mo) for cell phone. TV is friends Plex or free Roku apps.

I won't say how much I have in savings, but your 100k in five years (20k saved a year?! SERIOUSLY?! that's more than min wage full time job, PRE TAX!) is not at ALL realistic. No I don't work a Min Wage job, but I'm not SF/Bay/SV area salary wither.