[h1n99]

1. We own at a low interest rate, so I don’t consider the principal part of payments to be spent. Barring NYC housing market crash, that money will come back. It’d be like counting money invested in index funds as “spent”.

2. Split completely evenly with partner. This also saves on “per household” things like internet, power, heating.

3. It’s still a big part of the spending, proportionately!

I just don’t spend that much. Don’t drink outside, don’t go out for dinner at fancy places, never order delivery (it doesn’t even taste good! Soggy food sucks!), don’t take Uber ever or even the subway much, ride a fixed gear bike around mostly. Exercise is using said bike rather than paying $300 for a fancy gym. Take vacations, but prefer camping and hiking to resorts or fancy expensive cities. Don’t stay in luxury hotels, have never considers paying for business class. My hobby is playing mostly cheap indie games that I still waited for a Steam sale on, and it’s all stuff like Rimworld that you play for 400 hours. Or watching free YouTube videos.

This is straight out of Mint (obviously rounded) so it’s not a lie!

[quickthrower2]

Nice, you are on “FIRE” by the looks of things. Impressed with both the income and that frugal setup!