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Reply to "How do you make maxing out TSp/401K work?"
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[quote=Anonymous]It sounds a bit flippant, but you just do it. Have it taken out before you do any calculations. Money you never see, doesn't exist. Budget around the net total per month of the two paychecks. If you're biweekly, the. The two extra paycheck a are found money, as is your tax refund. I'm a single parent GS 14 with a kid in daycare when I bought a place in N. Arlington. I was maxing out the whole time. I decided that my mortgage and utilities had to be paid for by a single paycheck. Daycare took a bit more than half of the other check, which left about half for everything else. (I didn't carry any other debt) Those two found pay checks were the breathing room. My dad tax refund went into my "next car" fund and emergency fund. I did not take fancy vacations then - couple days in Williamsburg. [/quote]
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