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Reply to "What would you do with 5k more per month?"
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[quote=Anonymous][quote=Anonymous][quote=Anonymous]I.just want savings/emergency buffer for once. Every.single.time I think I am on the right track for a buffer something comes up and I get wiped out. It's really uncanny. [/quote] That’s not bad luck, that just means you’re not budgeting appropriately for occasional expenses. Zero shade, because we all kind of do that. If you look back at the last five years, and every year you think you know what you’re going to spend and it ends up being $10-15k more because of car problems, a flood, an illness, etc that just means you need a $10-15k category for big, relatively unpredictable expenses. But some of that could be your buffer, and then it’s okay if it gets spent and replenished sometimes. [/quote] Yeah it sounds like your emergency buffer is acting as an emergency buffer! [/quote]
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