Solution: Live in a nice warmer country with great quality of life. You don't earn as much, but you can save more. I've never been happier than since I moved to Bangkok, and I've lived in Portland, Seattle, Seoul, Beijing, and Hong Kong. I earn a 2/3rds what I earned in Hong Kong BUT I work basically 28 hours a week and have 3 months scheduled vacation a year. No amount of money beats that.Also, working on my first academic publication this year. Anyone else here publish?