[jprince]

Whether or not you can live comfortably is not in question. If you're only making enough in your city to live comfortably if you use all of your money to do so, then you need to live uncomfortably. There are plenty of poor living in all of these major cities and they get by on less than 80k, or even 60k, so it stands to reason if you're making that much and you can't afford a burn-fund then you're probably making bad choices.