re: Here's the budget breakdown of a couple that make $500K and still feel average

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3 vacations a year

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I feel this is common. Less than 3 seems a bit long between trips.

There are some other crazy items there, charity amount per year, and student loans totals. I have a lot of student loan debt but I come nowhere close to that total per year. Ill be done in 20 years from law school grad like that amt factored in.

Also, isnt an effective tax rate around 25% more reasonable than 40%?