Adding all of it together is too much. So you set the thermostat lower by 3 degrees. Pack lunches two to three days a week and cut down the coffee a certain percentage etc.
Cutting any one thing out altogether will significantly reduce quality of life and won't get you there financially. Cutting back a bunch on each category will.
As I said, back of the envelope calculations will get you whatever outcome you desire. Real actual spending data will tell you the real story. There isn't a substitute.
350K in Missouri will give you a vastly different lifestyle than 350K in Denver.
If you have everything you want, no need to track!
