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Even young, given current salaries for software developers, this is very viable. I was earning ~$80,000/year as a newly graduated bachelor of Computer Science working 40-hour weeks at a flexible consulting shop before I started my Masters degree.

Given my living arrangements and lack of dependents, it didn't require any effort at all to save 50% of this money and put it into long-term (retirement) investments. Ten years of a similar arrangement would ensure a very decent nest egg, assuming I kept living below my means. Given that skills and salaries increase quickly, after a couple of years it would almost certainly be possible to scale back 25% and keep saving more or less the same amount.

As long as you are in a position to plan ahead, this shouldn't be a problem. It helps to view the glass as half full rather than half empty; many people will only see the negativity in any suggestion. Money is often a subject where the naysayers talk louder than the rest.



I'm with you 100%. Although, in terms of planning ahead, you might want to have a family or girlfriend/boyfriend in the future which will eat into your cash flow considerably. Also, you'll probably want nicer shit as time goes on. Living in a shitty apt in some crappy part of town loses it's novelty when you know you could easily, for a little bit more a month, get a better place.

Just something to plan for.


Depending on the area you live in, with a salary like that and that level of savings, you can own a house by your early to mid 30s. A decent house here can go for as low as $100k (middle Georgia). Lower if you're willing to accept older homes and the issues that usually entails (asbestos, will need more in upkeep costs earlier, 60s/70s stylings for the interior). A single professional can make in the upper 5 to low 6 figures. After retirement accounts, you can pay off that mortgage in 5-10 years. If you don't go for the ludicrous $500k homes (or higher) that we have around here, you can live nearly debt free (in this case a mortgage no worse than rent at the decent apartment complexes). And by your 30s be debt free (I was late getting into the job market after a failed attempt at grad school, so for me it'll be late 30s, but close enough).


Reading things like this make me wish that 15-years-ago-me had thought about that, and been making that kind of money.




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