[ZephyrBlu]

If you already have good quality of life and it's not about frugality it sounds like you're a very high earner, in which case the point is moot.

Most people don't have the option to save 70% of their take home pay and still live comfortably.

[troupe]

Maybe, but most people who do have the option to save 70% of their take home pay don't. Perhaps our definition of what it means to live comfortably is partially to blame. I know a family of 10 that live very comfortably in a small 3 bedroom home, but most people wouldn't define it as comfortable for themselves.