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For any place that's not New York, LA, or Silicon Valley, $120,000 is pretty solid money for a working professional.

How is 120k not considered good money in New York, LA, or Silicon Valley for a working professional? I live in New York and make in this ballpark and I consider it pretty decent money. Those cities are expensive, but I don't think so expensive that anyone wouldn't consider a 6 figure salary as somehow "not solid".

Do you live in a place where $10,000 is not much money?

I am a fairly junior programmer and make that much working as an employee. (And I was not particularly clever about job hunts. Just willing to move.)

For a senior freelancer, different standards would apply, I'd hope.

$10000 a month is a very good salary in Europe

Unfortunately, yes. That's why I moved.

What do you need to spend $10,000 per month on?

If I can't find anything better: savings.

But in general: More money is better than less money. Especially for essentially the same amount of work.