Yeah it's not but it's what I can afford!
Sorry, with all due respect and w/o intention to meddle with your life decisions (how would I with my crooked life give serious counsel???

), but:
From my experience you have two attitudes to chose from (economically speaking), the "budget" spending centered view or the " income" centered view, as I call them.
#1 is fairly safe: You have x monthly, now all you need to do is to manage this amount intelligently and you will be rich in 30 years and be able to afford any place you want to live at 70, with your yacht in front (the basic inner dialogue being: "What ressources do I have? What can I afford? How can I use them effectively?").
#2 is different, the basic inner dialogue going along "What do I want? How am I going to gain the necessary ressources? Will it be satisfying"? Not much security there, but fun and hardship and adrenaline, and you might (just) be able to live in a place you like at 35, w/ or w/o yacht.
Mine always has been #2, based on the feeling that when I live at peace and in a surrounding where I feel relaxed and whole, I have saved myself sooooo much stress and troubles and mindlessly spent efforts to deal with stuff I do not even want to deal with, that with this base I can do anything I want, and always, and repeatedly.
Example (and it may be that I have voiced it here before, but as I frequent so many places am not sure, search gave nothing):
I have a long list of jobs, my best paid is a 3 hours daily maintenance job that brings me 1.500 Euros (2k $) monthly, the basic income I am living from (the rest sums up to another 1.000, cannot survive from that amount). The job is at 50 mtrs from where I live, and it is not hard at all (pool manangement, cleaning the terrace, basic gardenigng stuff, from 0630J til 0930J 6 days a week - in summer).
Now, in this job is a client who is constantly buggering me with all kind of mobbing attempts, last week I got so fed up with him video taping me that I encountred myself lifting the shovel, ready to giving it to him. Luckily (would be in prison now), I thought better, went home, and rencounced that work at end of contract.
Now, everybody of my friends and familiars is telling me "But, are you crazy????! How can you let such a job go???! Ignore the guy! You will *never* find something so easy and welll paid again in thsis small village..." and so on.
They might even be right, but,
I have decided that I will
never work in a job where I feel so bad that I feel tempted to kill a SOB client, whatever you pay me...
Interestingly, when I started looking for jobs 6 years ago here (renouncing my photo journalism to be closer to my wife, leaving my 15k monthly income behind), it were exactly the same people who told me that my idea of wanting to earn 2.500 with not more than 6 hours work daily - and only in the village - was "crazy and unrealistic"....
I have not the faintest clue what I will be doing next month (not one bank here to rob, and we are in crisis, so no jobs either, and none for ppl my age even if there were any), but I am sure, in a year we will still be talking on the same economic level between the two of us.
I
trust myself and life.
Just my idea, FWIW
Rattler