Yup. Pretty much cut 45-50% off the top for federal and state taxes immediately. Divide the remainder between stock that won't actually vest for years and your base pay. It's way more complicated than "you're making six figures!!! why can't you SAV3!!1 too much avocado toast!"

Should people be more disciplined? Isn't it possible to do better? Sure, totally. But let's start with reality and not boomer bootstrap fan fiction.