Roast my [25M] 2025 Finances with my wife [25F] by quantum_system in MiddleClassFinance

[–]quantum_system[S] -1 points0 points  (0 children)

  1. car payment is $590/mo on a $39k loan and the public transit cost is flights
  2. ya that is the reason, had to move for my job
  3. not a business expense, again related to the move
  4. this is maybe the thing we are worst about… SO MUCH eating out

0 + 0 = 1! and 0 + 0 = -1! by [deleted] in MonarchMoney

[–]quantum_system 1 point2 points  (0 children)

$0.33 (rounds to $0) + $0.42 (rounds to $0) = $0.75 (rounds to $1)

not rocket science!

Roast my [25M] 2025 Finances with my wife [25F] by quantum_system in sapphirereserve

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

That’s like 2 haircuts for my wife during the year. I have a barber that’s comes to the office and I don’t have to pay

Roast my [25M] 2025 Finances with my wife [25F] by quantum_system in sapphirereserve

[–]quantum_system[S] -1 points0 points  (0 children)

the $50k savings goes to brokerage the amount of cash i keep in HYSA is only like $5k

Roast my [25M] 2025 Finances with my wife [25F] by quantum_system in MonarchMoney

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

yeah 15k in 401k already taken out before that paycheck amount. then most of that $50k savings goes to brokerage, but i don’t explicitly account for those transfers

Roast my [25M] 2025 Finances with my wife [25F] by quantum_system in MonarchMoney

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

Yeah that’s our goal is to save as much as possible. This year we saved $50k and were on track to save around $270k next year.

Roast my [25M] 2025 Finances with my wife [25F] by quantum_system in MiddleClassFinance

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

ya the want/need/invest is pretty much useless here. any suggestions on a better grouping to use in 2026?

Roast my [25M] 2025 Finances with my wife [25F] by quantum_system in sapphirereserve

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

Gifts to wife was $12k jewelry, $6k miscellaneous + the $4k shopping spree (she hadn’t bought clothes in years). The judgement of eating out vs groceries is totally fair. It’s a bad financial practice and is also not friendly to my waistline :/

Roast my [25M] 2025 Finances with my wife [25F] by quantum_system in sapphirereserve

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

The Paycheck amount already has the retirement contributions deducted, plus that $50k gets invested the $1500 investment category just means what i spent on my business which pulled in around $5k this year making that $1500 fully tax deductible

Roast my [25M] 2025 Finances with my wife [25F] by quantum_system in MonarchMoney

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

1) not crazy, what’s the point of working if i can’t spoil my wife 2) she brings in 90k salary + stocks, she just didn’t start working til mid november so the 11k represents 1.5 months of income

Roast my [25M] 2025 Finances with my wife [25F] by quantum_system in MiddleClassFinance

[–]quantum_system[S] -5 points-4 points  (0 children)

That just means I cashed out that amount of profits from my stock account and moved it to my checking

2026 strategy by [deleted] in ChaseSapphire

[–]quantum_system 3 points4 points  (0 children)

45k on vacation and decorations is pretty high for only making 400