Howdy Dammit said:

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Lifestyle creep is real. That's all I'll say. Thought I was better than it but im not.

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Amen.

I grew up with a family of 5 in a 1600sqft house and slept in a trundle bed until I was about 14 yrs old. Worked every summer at minimum wage.

Would never imagine I have the lifestyle I do now. However, it's good to know that if I had to, turkey sandwiches and VHS tapes with family vacations to camp could do.

Howdy Dammit said:

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Lifestyle creep is real. That's all I'll say. Thought I was better than it but im not.

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We've been so busy keepin' up with the Jones
Four car garage and we're still building on

I don't miss 1040 Angela Court back in Nevada as a little kid, but I wouldn't call it lifestyle creep to get out of that.

Howdy Dammit said:

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Yeah. Lifestyle creep discussion wasn't really geared towards getting out of the hood

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So at what point does it transition into "creep". You can have a nice home, but not too nice....nice reliable car, but not a newer luxury car....you can wear a Tag, but not a Rolex... It's all arbitrary. I went from a pop-up to a camper to a condo to a bay house. Where did I cross the line according to you?

FIDO*98* said:

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Howdy Dammit said:

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Yeah. Lifestyle creep discussion wasn't really geared towards getting out of the hood

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So at what point does it transition into "creep". You can have a nice home, but not too nice....nice reliable car, but not a newer luxury car....you can wear a Tag, but not a Rolex... It's all arbitrary. I went from a pop-up to a camper to a condo to a bay house. Where did I cross the line according to you?

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I think getting into a safe middle class neighborhood for your kids to grow up in should be everyone's goal. Don't think that's creep. Once you are regular old middle class and your salary starts to grow is why the typical term lifestyle creep starts to apply.

That's pretty much what I think too.

FIDO*98* said:

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Howdy Dammit said:

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Yeah. Lifestyle creep discussion wasn't really geared towards getting out of the hood

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So at what point does it transition into "creep". You can have a nice home, but not too nice....nice reliable car, but not a newer luxury car....you can wear a Tag, but not a Rolex... It's all arbitrary. I went from a pop-up to a camper to a condo to a bay house. Where did I cross the line according to you?

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If I had to judge... which I don't but I will because I also am ridiculed on this thread...

I would say... from camper to condo. Mostly because I'm right there at the moment also, lol.

Green2Maroon said:

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I don't miss 1040 Angela Court back in Nevada as a little kid, but I wouldn't call it lifestyle creep to get out of that.

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Yep! Fallon, Nevada. The house was yellow back then.

Navy kid?

Mining kid actually. My dad was a mining engineer and he worked at the Rawhide gold mine about 55 miles from Fallon. I was pretty young, we moved back to Wyoming when I was 7 years old, but I knew some Navy kids there.

We kinda got away from women who work six figure jobs here.

Green2Maroon said:

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We kinda got away from women who work six figure jobs here.

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Didn't know they paid sammich makers so well. Good for them.

FIDO*98* said:

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AozorAg said:

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What is six figures? If it's like $120k, then that was $75k like 10 years ago and who cares. That's not much at all these days.

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It's dumb this term sticks around. It originated to refer to the top 1/2%

To have a nice home in an upper class neighborhood with a single income, savings, play money, etc. you need at least 350K in today's world. Nobody making that kind of money uses the term 6-figure so anyone who does is likely just north of 100 and basically working to barely get by

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no you don't

From what I've learned from my Mormon workers, you can live off a $200k total salary package (base + target bonus + 401k match + hsa match) and support 6 kids with a SAHM with a pretty comfy middle class life. Not extravagant, but not uncomfortable by any means. The Mormon support network is very valuable though… extremely strong community that others have to pay lots of money for (meal trains, home school co-ops instead of private school, etc).

Are you in Utah or somewhere near there?

Houston area x.X

I don't think I'd pay any money for meal trains

Oh okay. It sounds like you know a lot of Mormons so Houston didn't cross my mind.

AggieArchitect04 said:

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$350k to live "comfortably"? That's over $29,000/mo gross. That represents 2%-4% of earners in America.

I don't consider myself rich, but certainly blessed enough to live pretty comfortably. Maybe I have low standards but I don't want for much. I make 6 figures but less than $350k and do just fine supporting 2 kids and a household. And that's with 25% of my NET income going entirely to their mom for "child support" that pays for her brand new Lincoln. Sock away a little each month. Max out my 401k and Roth. Able to take 2-3 nice trips a year, plus weekend trips away. I probably eat out more than I should. I also have a gf and she's expensive, lol.

What are you people pissing your money away on?

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I just got to my condo in Saint Martin for the week.

Spent last week in Sint Maarten.

Yeah...same island, but different countries...

We go to the Caribbean for 2 weeks every Christmas vacation...

agracer said:

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FIDO*98* said:

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AozorAg said:

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What is six figures? If it's like $120k, then that was $75k like 10 years ago and who cares. That's not much at all these days.

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It's dumb this term sticks around. It originated to refer to the top 1/2%

To have a nice home in an upper class neighborhood with a single income, savings, play money, etc. you need at least 350K in today's world. Nobody making that kind of money uses the term 6-figure so anyone who does is likely just north of 100 and basically working to barely get by

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no you don't

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You have at least one if not multiple Ferraris. Something tells me you are above my cut line

Mo money, mo problems.

I thank Christ every day that I never had kids or got married. Feels good to be free and all my money fo me.

They're there! They're generally very hard workers and honest and make good hires.

I agree with the lifestyle creep for sure. When we first got married, we were doing fine. But I made it my mission to not spend more than $200/month on food/household stuff. I was obsessed with couponing. It was a game back then to me.

Somewhere along the way, that stopped. We were still cautious of what we spent, but not when I did the couponing.

Now (18 years later) I spend an absurd amount of money on food. I eat out 1-3 meals a day. And yes I need to cut back, more for my waistline and but would help the pocketbook. We vacation a lot. Travel softball. But I know we are very blessed to be able to do so.

Where I haven't let the creep in is with the house/cars. We live in a nice house that we bought 16 years ago. Would have loved a bigger house before but just couldn't justify it and now am glad we didn't. I drive a Nissan Rogue. Hubs drives a nice truck. Always wanted a BMW but now my focus is retirement. So that's $40k+ more to go towards retirement whether it's accounts or in rent houses we buy. I stopped by Louis Vuitton's years ago (although I really want their luggage with link accents).

deer corn said:

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Mo money, mo problems.

I thank Christ every day that I never had kids or got married. Feels good to be free and all my money fo me.

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I would be a braziliannaire if I didn't have my 9 kids...

That is a lot of offspring.

But Christ wants you to be married and have kids…?

Homeboy doesn't know how to practice coitus interruptus.

AggieArchitect04 said:

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$350k to live "comfortably"? That's over $29,000/mo gross. That represents 2%-4% of earners in America.

I don't consider myself rich, but certainly blessed enough to live pretty comfortably. Maybe I have low standards but I don't want for much. I make 6 figures but less than $350k and do just fine supporting 2 kids and a household. And that's with 25% of my NET income going entirely to their mom for "child support" that pays for her brand new Lincoln. Sock away a little each month. Max out my 401k and Roth. Able to take 2-3 nice trips a year, plus weekend trips away. I probably eat out more than I should. I also have a gf and she's expensive, lol.

What are you people pissing your money away on?

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A lot of folks are trying to keep up with the Joneses.

ChoppinDs40 said:

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Homeboy doesn't know how to practice coitus interruptus.

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Nah.

Just bought a bunch of them...

Kirkland Signature kids from Costco?