~$335k (including employer match), ~82% savings rate

1 person, HCOL area

Around 71% (sigh) of my total expenses goes to rent. I'm renting almost the cheapest I can get 3 miles from work (most important criteria) and with no roommates. I'm pretty frugal other than that.

I may revisit the "no roommates" clause but I'd save ~$10k more a year, i.e. 3 more weeks of work per year, so I'm not sure it's worth the headache.

My theory to compare saving rates in HCOL vs LCOL (I've said this a few times before):

Salary is roughly proportional to COL in your area, so if COL doubles, your salary approximately doubles, and your savings per year double too, and your savings rate is the same, for the same level of effort. Using formulas in "the simple math to early retirement" purely as a function of savings rate will thus give you the same time to retire. However, the magic happens if you plan to leave the HCOL to a LCOL on FIRE, which can cut your work years roughly in half if you move to an area with half COL.