[hparadiz]

$5583 a month is essentials? This is more than what I spend on my mortgage..... and all my bills.... and all my food.... and I live in SoCal.

This conversation is dumb. Put money into an IRA. You lower your taxable income. It's not that hard. You grow your net worth on your untaxed monies and then later when shit hits the fan you can extract it at a lower tax bracket. And you get to gain market gains on cash that would otherwise be spent on taxes. It's how people who are good with money make an extra 10-15k per year while you're being all like "woe is me. i can't afford anything".

This is how you can cover that $10-15k you mention when it does happen. You're welcome.

[bluefirebrand]

> $5583 a month is essentials? This is more than what I spend on my mortgage..... and all my bills.... and all my food.... and I live in SoCal

Is there anything that other households might spend money on that you don't?

Say for instance childcare, or having a second vehicle for a spouse, groceries for a family with children

Your post is pretty light on details about your actual household situation

Personally I don't think $5583 for a family of four (for instance) sounds that outrageous

[hparadiz]

What I'm supposed to write a book to account for every random bullshit scenario to assuage your adhd overthinking?

This shit is exhausting. If you don't want good financial advice move on. I'm not replying to you anymore.

[bluefirebrand]

I really don't know what gave you the impression I needed your financial advice in the first place

Do you think just because I'm concerned about people who are less well off that I must be one? Do you think the only reason I could or should care about poor people is if I were poor myself?

If so, then I truly hope you become a better person in the future

My financial situation is fine though, thanks for the concern. My financial advisor has me all taken care of