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[quote=Anonymous][quote=Anonymous]Budget: Car payment, childcare (including camp, before care, pre K), cell phone, gym, weekly groceries, electric, water bills, putting towards 401K, vanguard, etc. 15K in credit card bill[/quote] Gym: buy a treadmill and a weight set (or whatever you use.) we did that at the start of COVID and haven’t paid a gym fee in 5 years. Camp: choose wisely. Your kids don’t need camp, unless you both work. Cell phone: shop around. I have 5 lines through t-mobile for $170 a month. Car: discussed above. Get a smaller car - your family isn’t that big. 401k: reduce it if you’re over saving. Going in to debt for fund retirement isn’t a good idea. [/quote]
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