The latter
First, I question the technical feasibility. In order to make it work with a secular lifestyle, you need to be making six figures. The secular lifestyle allows cheap food, finding cheap housing with little regard to amenities, marriage between 28-35, first chIld after 30, an average of 2 children, possibly public schooling, and no religion-related expenses (shabbos, yomtov, garb, etc.). Factor in the cost-of-living differences, for a frum person to be putting away 75% of income, they'd need to be making very significant money. This is without calculating how to make the money stretch over a lifetime of expenses in the frum world. There are very few who could even consider trying.
I had a paragraph typed up with a bunch of points where I felt it was not in-line with Torah values, but it didn't feel right. Too judgemental. I'll just say this: if someone can find a way to live this life without compromising Torah values, or losing sight of why they were put in this world and what they feel they should be accomplishing in their avodas Hashem, kol hakavod. My personal opinion is that it is very hard to walk that line, but that doesn't mean it's impossible or shouldn't be attempted. I don't think most can pull it off, va'ani b'rosham.
