Lifestyle creep is real — $300k TC and still feeling broke
Combined household income is $300k. After maxing retirement accounts, paying $3,200 rent, $800 car payments, daycare, and everything else... there's barely anything left. How did my parents raise 3 kids on $80k? What am I doing wrong?
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Track every dollar for one month. Seriously. When I did this I found $1,400/mo in subscriptions and recurring charges I forgot about. The Allocate impulse tracker helped a lot.
The daycare line item is brutal and temporary. Once that goes away you'll feel like you got a $30k raise. Hang in there.