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The different costs of housing and living in different areas is of course a valid factor when it comes to comparing incomes. I disagree with your second sentence though.

> Most of the finance guys I know in New York make what I would consider great money... but their lifestyle is such that they save almost none of it.

I don't know, is how well you're doing really based on how much money is left after you choose to spend a bunch of it? If I make $2m/year but have several expensive mortgages to pay and therefore I don't save very much, that means I'm doing "just OK"?



Depends on what you're getting for those mortgages, I guess.

If your job requires you to live in a specific place or have a hellish commute, then I think comparing (and griping about) like for like is fair.

E.g. a finance analyst whining about his tiny NYC apartment to his friend in Indianapolis with a tiny apartment, etc.




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