I read a post once that defined spending levels e.g. $40k/yr, $32kyr, $25k/yr, $18k, $12k, $7k and said that the group below them was frugal and it was a 'goal', the one below that was crazy frugal and not possible for them and anything below that was just crazy and impossible. The original post was written much better. . . It may have been an ere post.