I second that comment! However, I wonder if the 22k living expenses is really necessary?? Could one cut that down to 10k?? I cant imagine spending 22k in one year...live like a student right?🙂
Have you ever lived on your own? Even if you are sharing an apartment say for $1000 a month you have already eaten up 6k in rent for the year. Then you add on utilities, cell phone, internet, food, gas, health and car insurance. It adds up extremely fast and thats not buying anything extra or going out and doing anything in what little free time you have. Keep in mind car maintenance and those unexpected expenses, I really don't think its overstated.Yes, im sure it can be reduced some but it really will surprise you.