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I don’t know, it just goes out faster than it comes in, no matter what you earn. I think it’s usually an accumulation of decisions, not a single poor choice.
However there’s also high cost of living areas. I’m sure $150k seems like a lot to most people, but around here it would be a struggle to buy even a starter home if that’s all you earned. And renting can easily be more per month than a mortgage so you’re never getting ahead
Then there’s college. Not only does FAFSA no longer account for multiple kids, but they assume you use all your savings and get loans. One college asked me to reverse mortgage my house, rather than help with financial aid
I make 25k a year which is huge for me. It took me 2 years of buying all the shit i wanted and then i started saving up and investing. My goal is to have 10k in savings every year, because who knows how long it’s gonna last.
I make about the same and save less than you each year - but I can only do it because I live in a van. How do you keep your housing costs so low?
I live with my nan. Yes the 25k a year is enough to make local reddit mad jelly and the .ml tankies want me tortured to death but reality is its not enough to even get you your own living space and remain financially secure.