Only saving 5k a month means they'll have to work until they're 60

If you want to spend $1000 on one night out at age 70, you better prioritize retirement savings

That’s part of the point though. Being able to put 80% of the cost of your rent into retirement savings each month is, by definition, not struggling or anywhere close to that.

Utilities $1K????

By my math, he'll retire with five million and be able to keep up a $14,000 a month lifestyle for 35 years after that.

Their doubling down of justifications in that thread is the real crime. "I need to have center row opera seats to a performance because those are the best."

That’s the only thing that makes sense. The rest is way off.