No kids. I telecomute from Wyoming so my cost of living is quite low but I'm paid comparible to developers in the research triangle area (NC). I do not own a house, so no mortgage but I do have some large student loans. Most of my leisure spending goes into groceries since I like to cook and everything else that I do is pretty much free at this point (camping, hiking, biking, kyaking. Once I bought the equipment I'm pretty much set for life).

Running the numbers quick. Based on my take-home paycheck, I have a cash savings each month of 20% and on top of that I'm putting about 10% into retirement. So 30% savings.

Full break down:

20% Cash savings

10% Retirement

30% Student Loans

5% Housing/Utilities/Phone/Internet

15% Groceries

20% Misc & Vehicle Expenses