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Reply to "Upper and UMC Ppl: Do you Actually Know Anyone Living Beyond their Means?"
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[quote=Anonymous][quote=Anonymous]Maybe me? I was a good saver when young and single, but now with family we are spending more than our HHI of about $150k. But because of what I've saved (and a bull market), our net worth keeps going up. NW was up $350k this year despite spending more than we earn (I have plenty saved). I do wonder how much I can safely spend. It's much lower than 4% at the moment, more like 1%. Will likely need it for another 40 years or so.[/quote] We're here, though our NW has not gone up so much because I left everything in savings (stupid, I know). After about 7 years of spending more than we earn, we have to stop. It's hard, but it is finally at a point it will affect our futures. Our NW is close to 1 mil, despite earning between $120K and $170K over that time range, but much of that is in retirement savings. BTW, HHI should include investment income.[/quote]
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