Cost savings alone, like dieting, are on a road filled with good intentions, but sorrowful results. I get your point but I once read an article...and to summarize, there is nothing like income, a paycheck, to boost your income/lifestyle. Savings notwithstanding. Do the math, could your savings amount to say $10,000 a year? Could they repeat those supposed savings next year or the next? I am blessed and did not have to earn. But personally, I coulda, shoulda, done something...anything. And, once out of the market it's hard for 'you'to return.