Straight up no idea how you’re doing that - genuinely you should be proud of your budgeting.
My partner and I live quite comfortably admittedly, but we rarely buy “things” - our biggest discretionary spending by far is on higher quality food. Our net expenses last year was around 65k CAD.
24k went to housing, around 20k went into investments and savings, and the last 20k was on “everything else”, including discretionary spending. We live comfortably but not nearly extravagantly and our expenses floor for the two of us is probably 40k… let alone adding two kids.
And we live in an incredibly cheap city compared to Vancouver/Toronto!
pdxfed@lemmy.world 5 days ago
That’s just the starter pack for the US.
Congrats on living in what is likely a low COL area, but many are concentrated in HCOL areas in yhe UD and elsewhere. Look at Vancouver BC and Toronto, same deal in Canada. US has that as well combined with above.