Do you live at, below or above your income means?

None of your business.

You worry about you.

I'll handle my stuff.

Well below.

Below.

below

Below. Zero credit card debt. No outstanding loans other than a mortgage.

All OTers live below their income level but we’re also multi millionaires so below is still top 1%

50% below.


But I do have a reciept for my shopping cart.

Below. I live a way less comfortable life than I did in college. Mainly because my wife insists on a monk-like existence of denial. Most big spending is for income producing/non depreciating assets although I’ll need a new truck sooner or later.

My wife and I both make around the same amount of money, for argument let's say overall about 320k pre-tax.

We are both maxing out our 401ks, I am backdooring my Roth, and we are contributing probably around 20k in regular dollars to our financial planner. Our house cost us 480k, of which we financed around 380k at 7.45%. We are aggressively paying it down, usually adding an extra 1.3 or 1.4k per payment. We do not have kids yet, but do have a side hustle and plans for at least one more possibly two.

I spend money, notably on guns and hobbies, but I'd say entertainment spending (going out, vacation, breweries, guns, subscriptions, ect) is less than 10k a year. Both cars are fully paid off, though assuming we can have kids we will probably buy a Highlander or something. We cook most nights and I bring lunch to the office 4 days out of 5. We will be upgrading the house within reason, and starting to hit up estate sales for furniture. I'd say we live within our means, but I'm still scared for the future as I think we are headed to a world of haves and have nots, and no middle class.

Right at my income. I wish I could save more money but I pretty much live paycheck to paycheck. 4 kids are expensive. I do put a lot towards retirement though.