I managed to save $30k

Damn, that's amazing.

Dear diary

Got to have that new car, a mortgage you can barely afford, a big screen tv with an entertainment system, too many toys for your kids and eating out 5 or 6 days per week.

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child. And that was with my wife staying home.

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That’s how you saved so much money for two years

Child care is expensive a shite

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So what’s you “paycheck to paycheck” people’s excuses?

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Special needs child. I just paid my copay on a new $20,000 wheelchair and reconfigured a bathroom so he could be rolled in and out of a shower. We also had to pay $1,800 on an adaptive toileting system and are about to drop $1,200 on a transport wheelchair that can be used for when the lift isn't available. I typically pay about $25,000 to $35,000 each year on uncovered medical related expenses for that one child alone. And I have three other children, one in college.

I haven't been able to accumulate much in short term savings. Retirement account is fat, but short term savings is non-existent. Is that an "excuse?" Or perhaps is the reality that different people live under different circumstances.

As for your OP, good for you.

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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

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So you didn't pay any taxes?

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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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