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But my gross salary wouldn't include company paid benefits, which I can't factor in. But, even so...

Larger companies often provide a total compensation amount. They factor in vacation, benefits, etc.

I have a relative who never married, had no kids, had a good paying job, and never bought a house (he did rent for a while) and is living in the house he grew up in so he is doing quite well (financially).

I'd be in good shape if my GF had any money, even 1/3 of what I have but unfortunately she doesn't. Fortunately she doesn't spend much either.

And I don't regret for a second spending money while younger on ski trips and European vacations. Getting older can make travel tougher and unexpected situations like the virus makes me very glad I got my major bucket things in while I was younger and healthy (it was a small bucket list).

My mother got sick and my father and her never had the retirement they had hoped for so I learned from them that it is better to enjoy it (within reason) than waiting until retirement which may not come, or not come in a way you hoped it would.
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