re: How does a family do it financially

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How much is private school? Good for you all but that sounds like a pretty low income to be putting kids into private school

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That is impressive, but if you know where you're money is going it is not impossible, especially with no debt.

My mom and sister are constantly confused as to how my wife and I make it with no kids with our high rent in Boise. When I tell them that I budget down to the penny for every account you can see it in their eyes, they have no desire to do that.

My mom makes a little over $60k with a $350 mortgage payment and she is constantly broke.

The answer is very simple. Read. Read. Budget. Read. Listen to podcasts. Read more. Any person in this country who isn't working a starter job can make it. That is not to say inflation isn't a big problem, it's to say that most people complaining about inflation have made some bad decisions and have very little actual desire to change their situation.

My friend earlier today texted me asking about how to make passive income. The same person that was complaining about not having money last week and when I asked him for specifics he couldn't tell me because he doesn't budget.

The easiest way to not be broke is to increase your income by a lot. Most people don't have that capability in the timeframe they want the money (aka now). The second easiest way to not be broke is have a basic understanding of where your money is going, something of which most people in my life have demonstrated to be an impossible task.