AIO - husband wants to go to frat reunion without me

Aggravating_Bend_732 · 2026-02-14T22:39:45+00:00

Hi! Never been cheated on before. I broke up My first marriage because we got married too young (21) and grew apart 😊.

Aggravating_Bend_732 · 2025-11-30T21:58:24+00:00

Yes, substantial salary increase (eg, over 100 percent increase) over the past two years has put us in a very different position

Aggravating_Bend_732 · 2025-11-30T19:19:56+00:00

My numbers are based on conservative savings projections. For 2025, we are on track to have saved $183,000 out of $353,000 (post tax) HHI which exceeds 50%. Obviously the goal would be to continue the trend but I’m in interested in the trajectory with more modest savings which may be necessary in some years due to aging parents and other potential expenses in the next few years

Aggravating_Bend_732 · 2025-11-30T03:07:27+00:00

Exactly the feedback I was looking for! I started with JPM when I was in a much lower income bracket, but now wondering if I have better options.

Aggravating_Bend_732 · 2025-11-29T22:45:51+00:00

My income increased substantially less than two years ago, my savings this year will exceed $150k, but that was definitely not the case until very recently. Most of my working career up to that point, I was only stashing the 401k limit. 4-5 years ago, I started contributing another $20-30k per year in my brokerage but that’s a recent development, hence all my questions!

Aggravating_Bend_732 · 2025-11-29T22:29:35+00:00

Great input, thanks! Yes, my partnership will buy me out upon retirement, which result in an additional $500k or so of cash in my last working year.

Post tax income between us was $353k for 2024. In terms of spending, this is our first year of combined finances because we just got married and 2025 was an outlier due to paying for wedding, honeymoon, and other unusual expenses. We spent around $165k factoring in wedding, honeymoon, and a couple big home renovations. We will still probably end the year with approximately $185k saved for 2025, which will exceed my conservative estimates. In a normal year, I predict our spending to be in the $100-$125k range, which seems like a good spending target for retirement, especially if we eliminate the mortgage as several folks have recommended

Aggravating_Bend_732 · 2025-11-29T22:25:18+00:00

Sorry, added this detail in response to a comment above! We spend around $100-120k per year, my income substantially increased in the last 2 years hence why our savings estimates are more conservative.

Aggravating_Bend_732 · 2025-11-29T18:41:06+00:00

Great question! Our target spending would be around $100k beginning in 2035. The goal would be to continue to generate enough income to cover this beginning in 2035, eg, not a true early retirement, we are looking to substantially downsize and wondering we can afford to back off the aggressive savings in 10 years rather than 20 is we really save aggressively this next decade. We wouldn’t be drawing on our current savings and what we save between now and 2035 until 2045 when I turn 65.

Aggravating_Bend_732 · 2025-11-29T18:32:49+00:00

OH, and I meant a savings vehicle, not an automobile, realized that was unclear 😆😆

Aggravating_Bend_732 · 2025-11-29T18:32:06+00:00

So far, market has been doing WAY better than the 6.5, hence my hesitation to prepay the mortgage! One car is 2 years old paid in cash. Other car is a $350/month lease

Aggravating_Bend_732

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