[nfriedly]

My wife and I have kids and live on a single income, and we're on track to retire in between ages 45 and 50.

We live in Ohio, and I suppose we would qualify as frugal and having cheap hobbies. But I certainly don't feel like we're missing out on a lot.

We also set aside over $1,000 a month for giving, with some of it going to various individuals and organizations automatically and some of it just waiting for when we see a need.

[shimman]

Do you understand you are very likely in the top 15% of the country in income earners, how do you expect people making less than $80k (of which there are plenty of programmers that make this amount)?

Do you understand that your extreme massive privilege is something very few people will ever able to obtain? What should they do? Work until they're 80 and die on the job?

[OkayPhysicist]

If you're a programmer in the United States making less than $80k, hell, $100k, step 1 to your retirement plan is start looking for a new job immediately.

[hirvi74]

I'm one of these programmers, and it's not that easy. Maybe at one time, it was. However, I am thankful to even have a job at this point.

[nfriedly]

Yes, I absolutely understand that. I'm refuting the idea that it's not possible to do with a family and kids.

[Izikiel43]

They should live within their means and save 15% of their income if possible.