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lowside67 · 10-20-2023, 01:07 PM

I feel a little hypocritical as I've just talked a big game about openness and transparency and yet openly posting precise figures online for the world was not quite what I had in mind - I'm not really sure that really actually helps anybody.

With that said, I feel like my wife and I are in the "middle class for two employed professionals." My income has a relatively consistent component and a highly variable deal component - we do all of our budgeting based on our 'regular' income. We both have stock matching with our employers and my wife has a fairly significant automatic deduction for her employer matching so that figure includes some If I was to get a bonus, we then would use that for a specific lump sum use - investment account contribution, waste on a watch, buy race car parts, aka nothing my wife approves of.

We have another year of our mortgage being fixed at about 2% and our payment for our detached house is around $3200/month which is manageable, but it will jump up to nearly $5000 next year and we will undoubtedly feel that difference. I am not sure it will dramatically change our life but certainly the monthly 'add to savings account' is going to suffer as it's not exactly like we are going to get a $45k raise year over year to offset.

-Mark

10-20-2023, 01:07 PM	#28370
lowside67 Old School RS Join Date: May 2004 Location: Port Moody Posts: 4,641 Thanked 4,157 Times in 1,262 Posts Failed 130 Times in 80 Posts	I feel a little hypocritical as I've just talked a big game about openness and transparency and yet openly posting precise figures online for the world was not quite what I had in mind - I'm not really sure that really actually helps anybody. With that said, I feel like my wife and I are in the "middle class for two employed professionals." My income has a relatively consistent component and a highly variable deal component - we do all of our budgeting based on our 'regular' income. We both have stock matching with our employers and my wife has a fairly significant automatic deduction for her employer matching so that figure includes some If I was to get a bonus, we then would use that for a specific lump sum use - investment account contribution, waste on a watch, buy race car parts, aka nothing my wife approves of. We have another year of our mortgage being fixed at about 2% and our payment for our detached house is around $3200/month which is manageable, but it will jump up to nearly $5000 next year and we will undoubtedly feel that difference. I am not sure it will dramatically change our life but certainly the monthly 'add to savings account' is going to suffer as it's not exactly like we are going to get a $45k raise year over year to offset. -Mark __________________ I'm old now - boring street cars and sweet race cars.