The more I stare at this the more I think that using official inflation numbers / using the official CPI is wrong -- these baskets combine recreation and technology being nearly -50% (TVs can be had today for $300, whereas they used to cost $500 in 1995 dollars), assume you only buy new cars (only up ~25% since 2000, but used cars are now almost as expensive as new whereas they used to be available for half the price or less), and underweight housing (basically doubled since 2000, worse if you need to move to a HCOL major urban center for employment).
If you are a healthy person living frugally then I think the inflation in your personal basket of goods is actually higher than the fed numbers would dictate (esp for rent and housing).
If you are a healthy person living frugally then I think the inflation in your personal basket of goods is actually higher than the fed numbers would dictate (esp for rent and housing).