Networking hard to grow income may be the best ROI on time spent doing any one activity any of us have. Be smart, work on getting into reputable companies/careers and grow your income. So when does life come in? The crossover point is a cool idea and I hope to hit is years before I plan to retire, but hitting it when you are 40? 45? I.M.H.O it seems like you are short changing some things.Īt some point, like minded, really smart people helping each other is the best way to get ahead. Zecco isn’t free anymore so you have to pay to buy and sell stocks/mutual funds. Even Macklemore spends $0.99 on clothes from time to time. I would say price of a book, but I don’t even buy those so library late fees? How is your gas and electric average in MI $110? Your wife is freezing in the winter. Health insurance(assuming your article meant homeowner’s insurance since you said geo-dependant)? Family related trips? Buying your absolutely tolerant wife a birthday/anniversary gift? Your house never has anything break? Buy any plants for spring? Cars need oil changes? I know you have a bike, those things even need service from time to time. Seems like you have to be missing some things. poverty line of $15,730 in earnings for a family of 2. That’s about $15,000 per year (for the two of us, 1 dog, and 2 cats), just a bit under the U.S. My estimate for this year is a little over $1,200 per month (excluding home, property tax, & insurance, which for the purposes of this exercise are heavily geo-dependent). I just completed this exercise again, as I do every month when I add up my credit card statements. It all starts with that monthly spend level.
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