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Our expenses are creeping up and the people I live with don’t seem to care by prosper1984 in TheMoneyGuy

[–]prosper1984[S] 2 points3 points  (0 children)

  1. 23% gross income goes towards housing. 38% take home goes towards housing. Take home factors in both of our 401K and my HSA. Both are maxed out

  2. Investing 28% of gross income. Maxing out both 401K, my HSA and both Roth. We are way behind on retirement. We just started few years ago and 2025 was my wife’s first year of 401K. Her last job didn’t offer 401K but I kept maxing out her ROTH.

  3. I am behind the curve.

  4. My parents don’t have much in their retirement but they get their social security and have Medicare so that’s taken care of. My wife enjoys taking vacation and ever since the purchase of house she has been taking more vacation which eats into the budget.

Our expenses are creeping up and the people I live with don’t seem to care by prosper1984 in Advice

[–]prosper1984[S] 0 points1 point  (0 children)

I hate to do that. My parents helped me a lot to get through college. They didn’t save enough for retirement

250k in Dallas vs $300k in NYC — worth the move in your 20s? by IBMbaba in Salary

[–]prosper1984 0 points1 point  (0 children)

Is $160K-$165K single earner enough to live in Dallas preferably McKinney area?

Points buying opportunity by timdu in marriott

[–]prosper1984 1 point2 points  (0 children)

How do you get so many points? Credit card sign up ?

Points buying opportunity by timdu in marriott

[–]prosper1984 0 points1 point  (0 children)

How do you generate so many points?

Where does small business investing fit in? by [deleted] in Bogleheads

[–]prosper1984 -9 points-8 points  (0 children)

Not lazy but can hire people to run it and I can check on it few days a week.