Ok interesting...

So I don't have a car or a house, but I live in a very HCOL city. Vacation is one of the main things I want to save for going forward. I just upped my 401K contribution so in this new budget, I should have about $700 cash left per month that I'd like to put in sinking funds.

I think I want to avoid having 100% of my extra income tied up in the 401K because I want to .... live life lol so if there's a month where I actually have $1000 left over, I'd like it to go to good use