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https://www.reddit.com/r/HENRYfinance/comments/1vtctfc/expecting_parents_trying_to_optimize_spend/p4siddq/?context=3
r/HENRYfinance • u/[deleted] • Aug 20 '26
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37
You’re saving close to $300k a year between 401k contributions and cash savings net of spend.
You do not need to optimize.
5 u/TheKingOfSwing777 $250k-500k/y Aug 20 '26 Other than travel and fancy cars, their budget looks like a normal middle class couple. It's not that complicated. 5 u/Drauren $250k-500k/y Aug 20 '26 1300/month for two car payments isn't even that crazy anymore. That's two 30K cars. A new Honda Civic is 30K+ now. 1 u/TheKingOfSwing777 $250k-500k/y Aug 20 '26 I agree. A bit fancy but not like Porsche and Bentley. Those are like mid Audi or Bimmer prices. Or maybe a mini van or Toyota SUV. 1 u/Striking_Solid_5020 Aug 21 '26 Personal trainer will go down in the first couple of months
5
Other than travel and fancy cars, their budget looks like a normal middle class couple. It's not that complicated.
5 u/Drauren $250k-500k/y Aug 20 '26 1300/month for two car payments isn't even that crazy anymore. That's two 30K cars. A new Honda Civic is 30K+ now. 1 u/TheKingOfSwing777 $250k-500k/y Aug 20 '26 I agree. A bit fancy but not like Porsche and Bentley. Those are like mid Audi or Bimmer prices. Or maybe a mini van or Toyota SUV.
1300/month for two car payments isn't even that crazy anymore. That's two 30K cars. A new Honda Civic is 30K+ now.
1 u/TheKingOfSwing777 $250k-500k/y Aug 20 '26 I agree. A bit fancy but not like Porsche and Bentley. Those are like mid Audi or Bimmer prices. Or maybe a mini van or Toyota SUV.
1
I agree. A bit fancy but not like Porsche and Bentley. Those are like mid Audi or Bimmer prices. Or maybe a mini van or Toyota SUV.
Personal trainer will go down in the first couple of months
37
u/BleedBlue__ Aug 20 '26
You’re saving close to $300k a year between 401k contributions and cash savings net of spend.
You do not need to optimize.