normally it's static overheads like: > housing > childcare > transport > taxes > healthcare > food > bills which take up the overwhelming majority. depending on where you live they can get extremely high. people who make any amount of money don't normally super cheap out on those either. like you're not going to live on noodles in a studio apartment in a crack den to save money if you don't have to so you might view your expensive groceries as a necessary purchase. if you have any high interest debt that will take up 100% of the rest. if not, maybe you're left with 10-40k "spending money" at the end. chip half of that into a retirement, half on hobbies and it's all gone
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