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[quote=Anonymous]I went from making not so much (grad student stipend) to six figures in my early 30s w/o any responsibilities, so never really had to “budget” in the sense of saving a certain amount a month to pay for a vacation— when I was a student, I didn’t have enough to save up, and then when I was working, if I had the money, I decided if it was worth spending on whatever I was wanting.   So, yes to a pair $100 shoes I really liked, but no to a pair of $500 shoes, even though I liked them and had enough money, because that is, to me, a ridiculous amount to spend on a pair of shoes.

I do have auto savings into a brokerage account on top of my retirement savings, and then occasionally dump money from my checking/savings into my brokerage account (or buy some i Bonds).

MAJOR expenses (like down payments/renovations) have come from saving, but it’s never been a “save X amount first” sort of thing, it’s more, we have X saved, we can spend Y on something.

I don’t think this is ideal, but it’s basically the way both my husband and I have operated, and it seems we’re living below our means…[/quote]

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