I do think they put a bit of wiggle room in both 25%.

Where I think the 25% savings goal is just that. A goal. Where if you currently below that, it should be where you try to get as your career/life changes.

Same with 25% on housing. In a LCOL area, maybe you spend less on house and can spend a bit more somewhere else. And for our HCOL friends, maybe they need to live with a lower transportation spending.

If saving 25% of your income is not feasible for you right now. That’s fine. But hopefully you get there.