I took a second look at my current budget. Yeah, unless we are super frugal I have roughly another 2grand I could save, so that puts a dent in my 15k "pay myself the difference" bucket I need to get to in order to achieve the above 22%.
SO coming up with the other 13k without starting to go negative is the problem that this guy needs to find a solution to. Hmmmmm. Getting the wife to quit smoking or sacrificing/selling the truck is one way, but I just don't see that as "realistic" because of our age and need for one reliable vehicle in our professions. I tried to get the DH to quit smoking when I finally quit a while back and she just about took me out of the equation.
I think I may turn to a small import/export business and I could also fall back on a niche carpentry trade I learned while not going to college to pickup the additional 12k/year easily but I would need to do some marketing, sales and execution and that does come with a price of about an extra 20hrs/week of work but it certainly has the staying power of $15k/year.
I might rather take a hit to my housing then have to work harder to keep our retirement on track... hmm something to think abouit.
SO coming up with the other 13k without starting to go negative is the problem that this guy needs to find a solution to. Hmmmmm. Getting the wife to quit smoking or sacrificing/selling the truck is one way, but I just don't see that as "realistic" because of our age and need for one reliable vehicle in our professions. I tried to get the DH to quit smoking when I finally quit a while back and she just about took me out of the equation.
I think I may turn to a small import/export business and I could also fall back on a niche carpentry trade I learned while not going to college to pickup the additional 12k/year easily but I would need to do some marketing, sales and execution and that does come with a price of about an extra 20hrs/week of work but it certainly has the staying power of $15k/year.
I might rather take a hit to my housing then have to work harder to keep our retirement on track... hmm something to think abouit.
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