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The figures were plug numbers just relating spending 3% of an income v 20%. I could have taken any income figure for the contrast, only choose 175k because I assumed it would be impossible for someone (Ace) to save 97% of their income without earning at least that. Indeed you have to assume...

In percentage terms it is actually 3% vs 20% so its a grand sum of 15% of what you spend relative to income or 85% less than you spend. :eek: It would mean earning $175,000.00 p.a. and spending $100.00 p.w in the case of Ace. That certainly is efficiency. Compared to your own situation...