Great point that food/goods costs are completely overshadowed by housing in most cities. I’m not a FIRE person, but I’ve always believed the trick to early retirement is to live very very cheaply (it makes all the charts look pretty). I believe this implies you can’t live where you want as soon as your living expense requirements are exceeded by the housing costs. This could be a year or twenty years out, but the risk is there. Curious if anyone has a different take!