[Iris7]

"Most of my post-tax income goes directly to savings awaiting the day when housing prices come back to reality."

Since "most of my post-tax income goes to savings" then you must have almost no expenses. This means you live with your parents.

By how you argue, you are what, maybe fourteen years old? Or twenty five going on fourteen? If you ARE literally fourteen then I have been a little hard on you.

"Enquiring minds want to know."

[thoughtomator]

No. I make a lot of money and live a monk-like existence with no family to support. I was more fortunate than my peers and something I took naturally to was an unusually well-paying skill, thus my income goes approximately 40% taxes, 20% expenses, 40% savings.