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[quote=Anonymous]I make 200k now. I took a big pay cut. I have used cars, WFH,  but with three kids I have slightly negative cash flow. I spend more than I make. My net worth is still rising due to stocks and hone values but my bank account falls a bit each month. And I have not taken a vacation in five years or bought a car in five years.

My house is alone 
$2,600 mortgage a month 
$1,000 a month property tax 
$400 utilities 
Landscaping $150 a month 9 months a year 
Repairs around $300 a month 
Insurance $200 a month 
Food like $2,000 a month 
Car insurance $200 a month 
Then my credit card bill always 3k to 4k a month. For instance I had Xmas shopping, car repair, home repair this month

On top of that not out of paycheck I have college tuition of around $6,000 a month (2 kids OOS with merit money)

My one kid is graduating soon but think about this she and boyfriend are 21. They are not engaged or living together or anything. But she has a 90k offer to start her boyfriend 110k so 200k is now the income of a 21 year old couple!!!

My RSU and options better vest in the money. I really need like $250k to break even and $350k to start vacations, buy a new car, out to dinner etc [/quote]

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