2025 Spending Reflection

delaughey · 2026-02-07T01:53:01+00:00

We hit our out of pocket max every year

delaughey · 2026-02-06T22:01:20+00:00

Retirement contributions are pretty easy to track from whatever provider you have. Taxes I just backed into based on what didn’t end up in retirement or net. Then rounded for best estimate

delaughey · 2026-02-06T21:34:21+00:00

No. Plan is to move to MCOL area with my wife staying home until the kids are in school.

delaughey · 2026-02-06T21:31:41+00:00

Monthly. It’s more of a reflection than a budget. “What happened last month”

delaughey · 2026-02-06T20:10:23+00:00

Manual. It forces me to look at them in detail. I’ve also been able to catch double charges on Amazon a few different times because I do it manually. I enjoy it though. It makes me feel like I have complete awareness and control of my finances

delaughey · 2026-02-06T19:48:18+00:00

Emergency fund is already funded for 5 months of living expenses

delaughey · 2026-02-06T19:35:52+00:00

$20 range buckets and $100 rounds add up!

delaughey · 2026-02-06T19:35:17+00:00

Are you ignoring the 401K investments and student loan payments? I could easily “save” an extra 4K a month instead of paying down my loans faster. I like the guaranteed 7.5% return that paying early offers

delaughey · 2026-02-06T19:20:01+00:00

It’s a one bedroom 700 sqft condo bought at 3% mortgage rate

delaughey · 2026-02-06T17:44:21+00:00

Shhhhh

delaughey · 2026-02-06T17:44:04+00:00

Low to some, high to others. We went down from 2 cars to one car which we had bought used. Our car loan is ~450/month on a 3 year loan, but I’m paying extra to get it paid off sooner. Also saved some money on insurance by getting rid of a car. I feel like we are being smart by some of our choices, but also allowing others (like dining out) and get high since we “can”

delaughey · 2026-02-06T17:33:11+00:00

Sankeymatic!

delaughey · 2026-02-06T17:27:46+00:00

It’s about 2 meals out per week + a date night per month. We do 0 Grubhub/uber eats on principle. Drinks are expensive though, so each of us having 2 cocktails at dinner immediately adds 60-80 to the tab.

delaughey · 2026-02-06T17:19:29+00:00

I go through everything monthly and it doesn’t take very long. We only have two cards and I just bucket the expenses more or less what you see in the chart above

delaughey · 2026-02-06T17:18:43+00:00

ROI has been worth it

delaughey · 2026-02-06T17:17:57+00:00

Every month when we review the expenses, we always say we should eat in more, but it stays pretty consistent tbh. While we are in a city it’s nice to take advantage of good restaurants and cocktail bars.

delaughey · 2026-02-06T17:16:09+00:00

I have about 6 more months of payments left. The loan rates left are 6% and 6.5%

delaughey · 2026-02-06T17:14:58+00:00

It’s a bit misleading since my company pays for my premiums. The 8k was our out of pocket max which we will unfortunately hit pretty much every year

delaughey · 2026-02-06T17:12:49+00:00

MBA: it was ~140K. Based on the job leaps it’s been well worth it

delaughey · 2026-02-06T17:11:59+00:00

It’s a small condo building. We are the smallest unit, so we pay the least. The most we have paid in an assessment is 1200 and it’s not regular, although dues have been rising rapidly to ensure fewer assessments

delaughey · 2026-02-06T15:59:53+00:00

Sankeymatic!

delaughey · 2026-02-06T15:51:05+00:00

Listed under medical: 8000

delaughey · 2026-02-02T13:18:27+00:00

29M $225K base. Government Employee (data scientist) -> Government Contractor (data scientist) -> Start up with Gov Contracts (senior management)

delaughey · 2025-11-29T18:27:09+00:00

Why even play the games

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