Jay

And so that means for me, like in my experience, physical pain when I have to buy something, when I have to like spend money on something, I'm like, ah. shit, is this... I'll just do it later. And then I'll just try not to do it.

And so that means for me, like in my experience, physical pain when I have to buy something, when I have to like spend money on something, I'm like, ah. shit, is this... I'll just do it later. And then I'll just try not to do it.

Daycare. Because I knew from in-laws having kids that this is going to be $25,000, $30,000. This is a substantial percentage of our total income. How are we going to get by...

Daycare. Because I knew from in-laws having kids that this is going to be $25,000, $30,000. This is a substantial percentage of our total income. How are we going to get by...

Daycare. Because I knew from in-laws having kids that this is going to be $25,000, $30,000. This is a substantial percentage of our total income. How are we going to get by...

System is a strong word. So effectively we have all of our money in a joint account in terms of budgeting. It's a very vibe based situation. Like when back before kids, it was like, oh shit, we got a good amount of money. Let's put some in Vanguard. Maybe I'll add more to my IRA. Now it's more along the lines of, okay, we got to get something. What do we get? Can we afford it?

System is a strong word. So effectively we have all of our money in a joint account in terms of budgeting. It's a very vibe based situation. Like when back before kids, it was like, oh shit, we got a good amount of money. Let's put some in Vanguard. Maybe I'll add more to my IRA. Now it's more along the lines of, okay, we got to get something. What do we get? Can we afford it?

System is a strong word. So effectively we have all of our money in a joint account in terms of budgeting. It's a very vibe based situation. Like when back before kids, it was like, oh shit, we got a good amount of money. Let's put some in Vanguard. Maybe I'll add more to my IRA. Now it's more along the lines of, okay, we got to get something. What do we get? Can we afford it?

What are we going to do? Should we do this? Should we not do this? So I do have a budget of like what things should cost per month. And the thing that I took away from that budget was it doesn't fucking matter because of childcare and just the cost of children. So you could have this perfect plan of like, okay, every month we're going to have like $1,000 left over. No, you're not. No, you're not.

What are we going to do? Should we do this? Should we not do this? So I do have a budget of like what things should cost per month. And the thing that I took away from that budget was it doesn't fucking matter because of childcare and just the cost of children. So you could have this perfect plan of like, okay, every month we're going to have like $1,000 left over. No, you're not. No, you're not.

What are we going to do? Should we do this? Should we not do this? So I do have a budget of like what things should cost per month. And the thing that I took away from that budget was it doesn't fucking matter because of childcare and just the cost of children. So you could have this perfect plan of like, okay, every month we're going to have like $1,000 left over. No, you're not. No, you're not.

Because you have kids and like they always need something. So I just don't bother budgeting per month. And every time I sit down and actually think about it, I'm like, what am I going to cut? Reasonably, what can I do to save money on a practical level? We're eating a lot of chickpeas. How else can I change my lifestyle that will make me not want to just die?

Because you have kids and like they always need something. So I just don't bother budgeting per month. And every time I sit down and actually think about it, I'm like, what am I going to cut? Reasonably, what can I do to save money on a practical level? We're eating a lot of chickpeas. How else can I change my lifestyle that will make me not want to just die?

Because you have kids and like they always need something. So I just don't bother budgeting per month. And every time I sit down and actually think about it, I'm like, what am I going to cut? Reasonably, what can I do to save money on a practical level? We're eating a lot of chickpeas. How else can I change my lifestyle that will make me not want to just die?

And my wife is like, look, I'm not compromising quality of life to save a few bucks. Because it would be really like, at this point, we'd be eating Wonder Bread and jam. That would be a meal. That's why I don't really keep a budget anymore.

And my wife is like, look, I'm not compromising quality of life to save a few bucks. Because it would be really like, at this point, we'd be eating Wonder Bread and jam. That would be a meal. That's why I don't really keep a budget anymore.

And my wife is like, look, I'm not compromising quality of life to save a few bucks. Because it would be really like, at this point, we'd be eating Wonder Bread and jam. That would be a meal. That's why I don't really keep a budget anymore.

Housing is about $3,200 a month. That is mortgage. So that includes taxes, city taxes, which are insane for where I live. It also includes mortgage insurance because we couldn't afford 20% down on a $450,000 house.

Housing is about $3,200 a month. That is mortgage. So that includes taxes, city taxes, which are insane for where I live. It also includes mortgage insurance because we couldn't afford 20% down on a $450,000 house.

Housing is about $3,200 a month. That is mortgage. So that includes taxes, city taxes, which are insane for where I live. It also includes mortgage insurance because we couldn't afford 20% down on a $450,000 house.