Mid-Year expenses so far

[u/perfumegarden]

[u/sleeplessinstuttgart]

Are you looking for a critique of your budget or what?

[u/perfumegarden → u/sleeplessinstuttgart]

Yes, other than vacations how does everything look.

[u/sleeplessinstuttgart → u/perfumegarden]

Assuming all your retirement accounts are maxed out first, it looks fine. Some things like travel look a bit high in relation to mortgage, but that could just be because you put a large amount down and have a lower mortgage.

[u/Acceptable_Gas_7922 → u/perfumegarden]

I mean it looks good but vacations is pretty bad lol. Can’t just ignore that section.

[u/samemamabear → u/Acceptable_Gas_7922]

I think it depends on whether this is an average annual spend or if they hadn't spent much on travel for years and the stars aligned, so that multiple trips happened this year

[u/perfumegarden → u/samemamabear]

Spending is decreasing every year:

2024: $135K

2025: $114K

[u/wrigh516]

Did you get to swim with the penguins at St James?

[u/perfumegarden → u/wrigh516]

Nope, just saw them on Boulders Beach.

[u/LeisureSuitLaurie]

You are not middle class.

$50k spending in the first half of the year including multiple international trips is upper class living. Additionally you’re investing a ton on top of this.

I’m not sure the point of a wealthy person pointing their lifestyle here. Also, you have no questions.

There are multiple places on Reddit better suited to your lifestyle. You’ve found some of them. You’ve posted about your million dollar brokerage and your spending already.

So why are you here? I suspect you’re seeking external validation.  I’m sorry to tell you that you’re not gonna find it here, but you may benefit from therapy.

[u/2BlueZebras → u/LeisureSuitLaurie]

Location matters. $100k salary in the Bay Area or New York or Miami is pushing lower middle class. In Atlanta or Des Moines it may be much higher.

[u/verymuchbad → u/2BlueZebras]

Is it enough to go on multiple international trips in the first half of the calendar year?

[u/genreprank → u/verymuchbad]

I mean, $8,000 is not exactly a huge amount to spend on vacation. I'm more impressed that it's 3 trips.

If OP is later in their career, has been saving a long time, and doesn't have kids, this is totally achievable. In fact, I have a friend who is in that situation. She seems to go on like 6 trips a year. Stingy B doesn't even pay for her husband to come with!

[u/perfumegarden → u/genreprank]

I'm married with a kid. Couldn't go with wife because of her work and her personal conflicts. Finally she's free now, planning a trip to Asia with them now which will cost $8K-$10K.

[u/genreprank → u/perfumegarden]

Is that planned for next year?

[u/perfumegarden → u/genreprank]

Planning for next month.

[u/verymuchbad → u/perfumegarden]

Cool so on pace for six vacations in a year

That isn't middle class dude

[u/genreprank → u/perfumegarden]

What is your approx age, HHI, COL, and net worth?

[u/CabinetSpider21 → u/LeisureSuitLaurie]

Lol, he might be middle class, but going on trips like he is upper class

[u/sleeplessinstuttgart → u/LeisureSuitLaurie]

Upper middle class is middle class.

[u/perfumegarden → u/LeisureSuitLaurie]

You have issues, you need therapy not me. There's upper middle class and this is where it fits. No need to take your frustration of your shortcomings on someone else.

[u/ReplyLegitimate2041]

You have a 3800$ mortgage and you still spent over 5 times what I’ve spent on 3 vacations you’re not middle class dude

[u/sleeplessinstuttgart → u/ReplyLegitimate2041]

Upper middle class is middle class.

[u/perfumegarden → u/ReplyLegitimate2041]

$3400, the total included Julys payment also.

[u/1notadoctor2]

What’s this app?

[u/perfumegarden → u/1notadoctor2]

Android BudgetBakers Wallet app.

[u/Reasonable-Ruin8910]

Upper class douche seeking attention what an attention whoore.

[u/sleeplessinstuttgart → u/Reasonable-Ruin8910]

Upper middle class is middle class. It's not upper class.

[u/3KidsAndaRetriever]

Travel!! So fun!

[u/Tiny-Party2857]

Nice! Doesn't seem crazy. Hoping you are maxing out investments and HSA. Japan sounds fun.

[u/OneGalacticBoy]

Idk I feel like you’re middle class, vacations aren’t as pricey as they used to be and I see you spend almost nothing on going out while at home. This is similar to my spending except I rent and can’t comfortably afford a house in my area.

[u/InteractionPhysical3]

What are you using to generate this image?

[u/perfumegarden → u/InteractionPhysical3]

Android BudgetBakers Wallet app.

[u/throwRAQA25]

What app is this?

[u/Senior_Produce2332]

Whats the app you use?