W2R
Moderator Emeritus
We're still waiting for the unexpected windfall of a surprise inheritance or stock (either one would be nice). Since neither is going to happen,
Just as an aside, pointing out that if you thought it was going to happen it wouldn't be unexpected or a surprise....
Bestwifeever said:I created a very conservative (i.e., expensive) budget with super worse case scenarios for everything (including taxes).
The result is we are living quite a bit below the budget, even including our unbudgeted two big unusual expenses last year came to $30K plus the $6K I sent to IRS when we pulled the funds for those. (And you are so right Moe that at the end of the year I said to DH, look how well we did even with these two big expenses and totally ignored the fact that they weren't in the budget; and we can't do that every year).
So we're sort of faux frugal here.
Well, if you were still living quite a bit below the budget, even including your two big unusual expenses, then that seems fair to me! You still spent less than your SWR so you would be either option 1 or option 2 on the poll.