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Reply to "Middle class life has me completely baffled"
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[quote=Anonymous]I think you actually are saving a lot and if the above is true have reaosonable expenses. you are just financially conservative by pre-funding your car replacement and building a big emergency fund. Both of these decisions may be sound, but they are more conservative than what many people will do. There are a limited number of homes and you are in competition with people who may have higher incomes, more wealth (inherited or not) and have higher risk tolerance or are less good about maxing their retirement. You’ll have to make some decisions about priorities, since you don’t make enough to simultaneously maximize all of your goals. [/quote]
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