[quote=plm]with 175K salary, maxed out 401K and no ESPP or flex spending, that first 8K/mo number is the right number. I want to clarify though that its not me making the 175K salary.[/quote]

Ok. Without ESPP and flex spending, and with a pre-tax traditional 401k (not Roth 401k that is after tax)then yes, that’s probably close to it. Again I want to clarify, hypothetically of course.