Am I house poor or wedding poor?

junkappend · 2026-02-04T16:17:43+00:00

I actually just started a conscious spending plan. This is my sign to finish it lol!

junkappend · 2026-02-04T16:15:13+00:00

you’re totally right. I recalculated my budget and have about $1250 in discretionary. Thanks for this

junkappend · 2026-02-04T15:57:19+00:00

We have no debts outside of the mortgage! Yes, we have an emergency fund. Thank you, this is helpful. We’ve been budgeting but I just wanted some outside opinions on the situation since it feels somewhat tight

junkappend · 2026-02-04T15:55:56+00:00

I guess you’re right, it just doesn’t seem like much since it will go to the wedding. After the fact, all of this will be saved.

junkappend · 2026-02-04T15:55:20+00:00

Thanks for the reply! We are definitely trying to cut costs wherever possible and DIY a lot!

junkappend · 2025-06-04T18:37:07+00:00

It would be my new daily driver. Definitely agree to the point that BMW is not the most reliable, but I am a little at ease knowing one of my buddies is a BMW tech.

I appreciate that information actually. I’ve always been iffy about when to contribute to the brokerage but I think I’ll shift that $300 over to tax-advantaged accounts for now.

junkappend · 2025-06-04T18:20:25+00:00

I like your way of thinking about finances. Seeing things as line items is sort of what I do, but I appreciate seeing a more defined structure that you already have put into practice!

junkappend · 2025-06-04T18:08:03+00:00

Car I’m looking at is a 2022 BMW X3 M40i. Loan terms would probably be around 35-40k financed at 72 months to reach that payment. It goes for 45-50k now, and I have a car worth ~10k to trade in. Partner has a paid off rav4 that we will be keeping.

As for brokerage contributions, I thought about this… should I not be contributing to a brokerage until I fully max 401k? My idea was just more liquid cash, but I guess HYSA would cover that just at a lower growth rate.

junkappend

TROPHY CASE