[sliverstorm]

Just wait until you climb the ladder a bit more, and begin to believe that you cannot possibly survive on less than $200,000 in the bank.

Expenses add up, and you make your way down the slippery slope of labeling things as "necessities".

[TamDenholm]

Perhaps. I do like to consider myself one of those people who think i wouldnt be like that, but obviously i'll never truly know until it happens. I remember when i had my first job, i thought my £650 a month wage was loads, now thats just my rent.

[dangravell]

This does happen, and it's probably the default. But it is possible to notice it's happening, and reverse the process: http://www.getrichslowly.org/blog/2006/12/27/how-to-protect-...

This is pretty much what I did when starting up, realising I wanted as much runway as possible.

Have to say I also guffawed at $25k being "no personal savings".