re: I managed to save $30k

quote:

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In an emergency fund over 2 years when I was making only $45k out of college, married and had 1 child. And that was with my wife staying home. So what’s you “paycheck to paycheck” people’s excuses?

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This was either 30 years ago or you were living with family. My mortgage is 1400/month. Childcare is almost 2k/ a month. Your very fortunate to have been able to save money but not everybody grew up in the 70s or lives close to family.