As Paula Pant of Afford Anything [1] would say, you can afford anything, but not everything. The author here is house-hacking [2], which certainly isn't everyone's cup of tea, but it is one way to get around high housing costs.
I've listened to enough financial independence podcasts to know that it's absolutely possible to hit a 90% savings rate. There are guests on the show who have done it on much less income than my family, and we'll be lucky if we hit 40%. It just depends on what assumptions of necessity you're willing to give up to do it.