So when is it financially okay to splurge on the non necessities in life?

[Anonymous]

22:02 - NAILED IT! First intelligent response I have heard on here in ages!

[Anonymous]

There is not a single answer. My husband and I are both GS-14s with the fed. We do very well by our standards, but my husband is a squirrel when it comes to money. He likes to stash it away in our various savings/retirement/investment accounts, and not spend. We'll save up for a vacation, and when I start the planning process he'll point to our checking account and say "With what money???" Even though we have PLENTY of cash in our money market, he just doesn't like to make withdrawals. Even though money is ear marked for certain purchases.

Me . . . I am happy saving about 10% of my income for retirement annually, keeping a savings cushion of 4 months for emergencies, and then I think we should live a little.

My husband . . . not so much.



I know your pain. You must open up a new acct for each earmarked purchase with a nickname on the acct with the name of the goal.

YES! This is how he is. But when you've reached your goal and you are ready to make the purchase, he will point to a different account and say there isn't enough money. As if the goal hadn't been reached in another account. It is a bizarre game, because then I just look at him strangely and remind him of said account, and he says "Oh yeah, fine, go ahead." and kind of harrumphs away, as if I'm asking him to not eat for a month, or walk across a bed of hot coals.