> but I would gently suggest that folks starting out, devote significant portions of their income to savings, and conservative (not politically "Conservative," real "conservative") investments. I'd further suggest against looking to your peers for guidance in spending habits or lifestyle choices.

I do, but this is unfortunately not what i'm describing in the post. Yea, i don't have enough to retire, but i've got ~12mo full expenses.

My concern is a concern for the long term, the career.