Use a year 2 ER FO. 183.6x88 hours month. 7% PS. 17%DC. $6k per diem. $2,400 Delta HSA. Just over $250k total comp. $90k of $251k is roughly 35% savings rate (not unheard of if you’re serious about saving). That doesn’t include a spouse working or any other income. Obviously, the savings % drops quickly beyond year 2 to get $90k.

Again, my entire point was that .7% matters over long run, not specific numbers.