Reply to What is your HHI and how much do you save?

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[quote=Anonymous]We have a cash HHI of about $500k, plus about 160k in equity/match - but with how it vests/realizes, we get hit with pretty high taxes as we tend to earn more of the equity than we sell - this skews our taxes and in effect we are adding to our “savings” paying more taxes out of income rather than selling more equity to pay taxes.  It’s a gamble but the equity has outperformed the s&p over the same period.

In addition to the equity, we save around 160k per year including in the 529.

Our debt to income is about 8%

We aren’t super aggressive savers because we pay cash for a lot of upgrades to our house - rather than take out loans.  We are perpetually doing an upgrade here or there - it’s not always adding 1:1 to our house, but we live in a place that was very well priced and we wanted to customize - it’s also partially a hobby, which I find especially rewarding.

We also travel a lot and spend a lot on other hobbies.

The place we really squeeze our expenditure is on cars.  We have purchased 3 cars total in the last 18 years, 2 of which we still drive.
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