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Depends, is your “paycheck to paycheck” artificial because you’re saving into retirement?
Also first question I had.
Paycheck to paycheck means basic living expenses and paying off debt take all your income. Have doubts that is true here.
Probably both. How are you paycheck to paycheck? What are your expenses?
I sometimes feel like all my money is getting spent somewhere but I also allocate a set amount to retirement savings and personal savings. My personal savings, though I try to avoid using it, helps me to feel that I don’t have to worry about not being able to cover expenses each paycheck so it is not true paycheck to paycheck. If you haven’t already, build up a personal savings with at least a few months spending.
129k is the new 50k so it’s not a surprise.
It most likely indicates lifestyle creep
Still issue?