re: Tired Of Pinching Pennies!!

quote:

---

My wife and I both work in careers we love instead of chasing money so we make about 100k a year.

---

Do you get COLA adjustments?
Tenure adjustments?
Merit adjustments?

quote:

---

This rate race fricken sucks! I would love for my wife to be a stay at home mom and homeschool our future kids, but that's not looking possible... I cant vent to many other people so I apologize. Just had to get this off mt chest to some intelligent people. Hoping something I do will eventually take off so money does not stress me out as much.

---

I love your hustle, man.
You are doing a ton right.

How close is the rental to your house?
Who does lawncare? Maintenance?
I'm trying to figure out if you can get your gas money out of the asset you currently have.

It sounds like you are saving. How much of that is currently in retirement?
What is your current savings balance? How much of that is emergency fund?
What is in your business account for the rental?

If you have savings, maybe look at higher deductibles on insurance. That can increase cash flow to help boost additional savings (emergency fund. Oh shite fund).
If your savings accounts are lower interest than your car note, throw money at that debt/monthly load.

Your housing situation sucks. I'm not gonna lie. But if you can survive this for 15 years, you will probably have a payment to brag about. With inflation, eventually long term fixed debt will smell like a winner.