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Reply to "Critique my budget, please. Need to increase retirement savings."
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[quote=Anonymous][quote=Anonymous][quote=Anonymous]I think you should do the reverse of what you are trying to do. Bump up your retirement savings a bit more - something you feel puts you on better footing. Then, you will be forced to adjust your spending, and it will become a lot more obvious to you what you can go without. If retirement savings is your priority, spend money there first. [/quote] I agree with this. Maximize your 401k contribution and the rest will work itself out. [/quote] +1. OP our HHI is identical, but our take home is $6800 a month and we cut out a lot of extras and make it work. No cleaners, no gym, and eat at home most of the time. If you increase your retirement savings and have less take home, you will find a way to make it work. You could so a little more each month until you get to 15% to soften the blow.[/quote]
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