John (Caller)

6,000 to 6,500 leftover in, um, in income for me to use for investing, retiring, and, uh, you know, ultimately powering me through baby steps for, and hopefully six, even paying that number down early.

But, you know, your teachings and guidance have always been really valuable.

So I was just wondering if, you know, if maybe my case might be an exception to the 25%, um, 25% of take home pay rule that you guys have, uh, have had over the past few years.

Last year, I was at about $210,000, and then this year I'm pasting for about $260,000.

I sell technology for a living and, you know, just follow the principles that, you know, Dave and you guys have taught, just keeping my head down, working the whole day and putting in those 50, 55 plus hour weeks.

And I mean, yeah, I mean, I'm very blessed and fortunate to be in a position where I can have a good income at this point.

Oh, um... After just taxing...

I did take out 401k and health insurance to get to that 12 and a half K number without it.

Um, probably I'd say about 14 K after taxes, no health insurance and no 401k.

Perfect.

New York city has the extra four and a half percent, uh, taxes.

I'm 50-50.

A good amount of it is commission.

Yeah.

So for the down payment, I've got $150,000 delineated for that.

And then I've got an emergency fund of $30,000.

And then I have another $40,000 that's currently in mutual funds in a brokerage outside of retirement.

Sweet.

I could go to $190,000 and still keep the emergency fund.

Yeah, absolutely.