What's everyone's budget looking like? >Early 30's>No want for kids unless I hit the fucking lottery>2 bed apt duplex - $1800/mo - locked in lease back in 2021 @ $1600/mo - going up a bit YoY>Access to 1st floor garage space used as a storage unit that another person rents out cause he's a cool guy (water spigot access)>2 car driveway >2nd floor>washer dryer>police station 2 blocks away>fire dept across the street>little to no crime>20 min walk to a beach>Bulk purchased BTC back in 12/2019 when it was around $7700>Got lucky with ETH back when it was $200>Swapped ETH to BTC when it was about .07 BTC/ETH>$75 weekly DCA into BTC - consistent for nearly 5 years>Nearly half a million in BTC - retirement / savings / emergency fund>$325 in joint savings account every week >gf also puts in $325 in joint savings every week>remaining amount into checking account>no 401k>no Roth IRA>fuck SSI - not going to exist when i hit retirement ageOnly downside is that we cant have a dog or have a grill/smoker... also the apt is all electric, no gas.Maybe one day a house would be best. But as of now, being a rentoid is feeling pretty comfy
>>61070286Two persons:0 rent250€ HOA fees200€ food200€ health insurance (optional)100€ car50€ misc=800€ a month.I make 3300€ a month.
$3300 a month - taxes (I overpay) + 5% ROTH = $2400Rent - $1275Golf membership - $74Internet - $50Water/electricity - $180Patreon - $5Gas - $80Food - $200Broker - $200
>>61070286>34>no kids Major outgoings >bought inner city apartment for $950k last year, $445k still owing on mortgage>$1570 mortgage repayments per fortnight (1165 minimum plus $405 extra)>$1500 to investments each month>$125 health insurance>$300 for phone, internet, streaming, electricity and water Never really track food or petrol. Rest of my money goes in my offset savings account Incomings >$1551 employer contributions to retirement investment fund>$920 pre tax salary sacrifice to retirement fund>$8876 after tax salary
Income:£3250/mo take home after tax, student loan, pension contrib etc. (civil servant so I pay 8.2% for guaranteed fat stacks on retirement)Outgoings:£1000/mo Mortgage (2 bed flat, £90k equity, worth ~£290k, live alone)£500/mo bills (Service Charge, Council tax, phone internet etc.)~£50-100/mo on car fuel & maintainance depending on use (paid off, worth ~£10k)Anything I don't spend on eating out or whatever I save and put towards my ISA allowance for tax free capital gains (£20k/yr limit, after that I overpay mortgage). Currently have ~£50k in stocks. Frankly my life is boring as shit and I lack the willpower to go and do fun stuff. At least my job is interesting.
>>61070286$200 rent (live with parents)$160 lunches and breakfast$43 phone planTotal: -$403/mo
>>61073845oh, 35 no kids, no gf. Would like to get a cat but i'd feel kind of bad about it not being able to go outside my top floor flat (except balcony)
>>61073845What is your job anon? Sounds comfy.
