Quote:
Originally Posted by westopher
Welp, what can I tell you. I'm laying it out clear as a financial planner would. You might need to put less money away for retirement, you might need to take cheaper vacations, you maybe should have bought a cheaper home. Sometimes you can't just get everything you want and say the reason you don't have extra is because of other circumstances.
Do I believe you deserve a nice home and a nice car and vacations for that wage? Absolutely. But to say your struggling is honestly a joke. At that point, figure it out.
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I didn't say I was struggling, but merely, by the data, we are paycheque to paycheque even with a high income. We can for sure make cuts and I outlined where cuts can be made if we really need it.
Is it sometime stressful? Yeah. But we are also trying to make our money work to the max. RRSP matching, it's free money. Stock buying program, it's free money. It reduces our monthly cash flow but it increases it later on.
We don't carry credit card debt, we don't owe money on our cars. We only have a mortgage. I'd say we are doing a lot better than most ppl despite paycheque to paycheque.
Quote:
Originally Posted by Badhobz
two kids are excessive trololololol
shanghainese wife is excessive too. if you stuck with a Guangdong wife, you would be rolling in cash
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Nah I just picked the wrong family to be born to. Why wasn't I given a 5 mil dollar house when I got married. And I expect a gifted condo for each kid we have
