I just got a raise and naturally I update my budget template tracker… only to find, I STILL DONT MAKE ENOUGH MONEY. Will I always feel like I need to live like a pauper!? What is this phenomenon!?

And before anyone asks, it’s nothing but my rent, car note, car insurance, church donations, gym membership and savings/crypto/investments (which is actually where most of my money goes to). I cook all my food, eat out maybe once a month and I can’t remember the last time I went shopping.

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How you askin for a sugar daddy but paying tithes

likefunny

LOLLLLLL I’m dead this is so funny

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Maybe cut back on gambling (crypto)

likefunny

Thank you for this!

Enough is relative boo. Re- assess where your money is going now. I’m sure it’s more than “enough” #begrateful

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One, congratulations on a good performance outcome.

Two, no judgment, everybody's situation and definition of "enough" is different. I notice you didn't include student loans in that list; congrats.

Back in high school, we did budgeting and I lost points for allocating too much to savings and not enough to play money. I'm averse to risk and all about the savings and investment, but given your list - let's assume rent is reasonable and leave the tithes alone - that might be a lever to look at. You know your numbers.

I can say that this gets better over time. Then you may have a family and it gets way worse again, then slowly gets better again. I empathize with the stress.

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I hope I get there because it’s a bit stressful for me. I don’t even have kids, nor am I married… or own my own home and I’m feeling like this already.

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Friend, if you’re able to pay for living AND do all that, you’re doing well… perhaps cut back a little on donating if you feel it’s impeding on other aspects of you life.

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I think it’s interesting that you put crypto into the same category as savings and investments.

likesmart

$100 dollars here and there for crypto. Most of it has been going to fidelity

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Church donations is how much? Is food factored in somewhere?

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Those donations will add up quick. I'd probably decrease that number, unless it's really important to you. I donate maybe $500 a year (even then, not always) and have a similar financial situation in HCOL city

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Friend, if you’re able to pay for living AND do all that, you’re doing well… perhaps cut back a little on donating if you feel it’s impeding on other aspects of you life.

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Cut the tithes. Volunteer your time.

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How much do you make, where do you live , and how much are you spending on rent and a car?

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Is the $3200 after expenses?

Confused on how you went from $7500 (90k) to $3200. Even with taxes, 401k, ESPP, health care premiums, HSA etc withheld it is still a big drop.

Do you live in a high tax State/City? How much are you putting into 401k / ESPP / HSA?

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Your basic needs are met, and you have room for spending beyond that. If you don’t learn to feel like you have enough now, you’re not going to reach a magic number that makes you feel like you do.

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Why do you think you don't have enough money?

Asking because your needs are met (then some), and you're donating and saving a large amount of money.

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Try to get rid of the car and the donation. That’ll save you a ton.

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Maybe consider moving to a city that doesn’t require you to have one, if possible?

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