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Reply to "How to decide if we should spend $ on travel?"
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[quote=Anonymous]There is a gigantic wide range of income levels on here. we only net about 40% of our paychecks once everything get dispersed to taxes, retirement, and then taxable brokerage via direct deposit. We keep 30k in liquid savings and never touch it. after household expenses we have about 12k to spend each month frivolous activities/things. if we want to vacation we just use that money. If we need to buy a car or do some major home improvement project we just let that pile up a bit. we don’t pull from brokerage or the “emergency” cash. if we can’t use payroll money then we wait until enough payroll money has piled up in our checking. In reality much of that frivolous money ends up in the taxable brokerage. Nobody can answer this question for you. Nobody knows your situation and nobody can put themselves in your shoes. This is choice you need to make with your spouse and your unique cash flow rate. [/quote]
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