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I think that also assumes that you're able to use that entire 6 figures for yourself. And that you're able to save in these HCOL places that the 6 figures are made. And/or that you're married.

Many of the people that I know in that 6 figure range (the "normal" 100-300ish range) are helping others. Family and the like.

It's also 3-4k for an apartment in many of the HCOL places. That's before food, transportation, and taxes.

And many people are doing it solo, not married.

I'm not saying 6 figure earners are to be pitied. I'm just saying that the money goes out the door just as quickly as it comes in.



Many of them are not married, and even then the wife works, and they have tons of savings anyway .




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