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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]I’m not in tons of debt or anything but my savings is very, very low in relation to my HHI- just $20k in savings (although $200k in retirement- still probably lower than it should be- we are 33.) It’s due to draining our savings for a down payment three years ago, plus paying double daycare during that time. Those are the big hits- and daycare payment will be cut in half nex year when my oldest goes to K but o be honest it’s also based on us spending on covenience- dinners out or lunches at work when we are too busy and/or disorganized to make food. Other than that we don’t spend a lot, but it’s my resolution to cut way back on convenience spending in 2018- it’s working out pretty well so far.[/quote] We are exactly the same. It's okay to have tough years. It won't last forever.[/quote]
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