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Reply to "I truly cannot wrap my head around our HHI jump from $150k to $260k"
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[quote=Anonymous]If DH's car is unreliable, costing a lot in maintenance, or is not fuel-efficient, a new car may be in order. This is a terrible time to buy a car (low supply, high inflation) but if you need it, you need it. Maybe consider an electric car with the new tax credits. I would not buy a boat. This isn't that high of income and the costs of owning and maintaining a boat are likely beyond your means. The purchase price of the boat is so much less important than the costs to maintain and insure. Vacation, sure, but they are often not that fun or memorable with very young children. Do something inexpensive now (driving to an airbnb in a nice location), but set up an earmarked vacation fund that you will regularly tap into when your youngest turns 5 or 6 and the vacations are more enjoyable and the kids will actually remember them. [/quote]
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