> If you live in an expensive city and do not have a proportional salary, obviously you are going to save less.

I assure you that my hometown in South GA (a cheap city) didn’t have $170K a year developer jobs.

A friend who moved to Columbus GA after college in 1997 I doubt is making $170K now.

I know my friend who still lives in Atlanta and is a lead developer at Home Depot (one of the few F500 companies based in Atlanta) just crossed around $170K and he has been there 10 years.