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We have been revisiting our older city affordability models (income + rent + tax burden), and one pattern keeps repeating: rent pressure moved faster than wage growth in many places. Where old assumptions seem to break first: - The classic 30% rent rule is hard to hit for many people in the 60k to 85k salary range. - Tax-friendly states still help take-home, but not enough to cancel fast rent growth. - Two cities with similar salaries can produce very different post-rent cash flow. If you tracked your own budget over the last 2 years, what changed most for you? Rent, insurance, groceries, transport, or something else? Curious to compare real lived experience vs spreadsheet assumptions.