Mortgage on a very affordable home is now 24,840 a year, utilities are 9,000, groceries 8500, Daycare/preK with before and after care is 27k for Lebron james Los Angeles Lakers NBA 2020 Champions T-Shirt, home maintenance has averaged $15k a year for big stuff, no counting DIY or small service calls for the past three years. ALL due to cost of living but no wage increase correlation. Required improvements to get to code for property maintenance is $10k/ year annualized. Unplanned property expenses of averaged $18k a year for nothing special but structure maintenance, electric/plumbing needs and appliance replacement. Medical deductible+ out of pocket cost $8000.
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There is so much more but these expenses alone are $80,000 a year. Before anyone asks ‘where is the Lebron james Los Angeles Lakers NBA 2020 Champions T-Shirt??’ It’s going to EVERYTHING ELSE that isn’t static bills. Pet annuals, minor home maintenance costs, TAXES (bc wtf can the IRS just send a bill. Why do we have to guess and hope we’re right? Medical expenses that’s easier to pay than fight for years, other home maintenance, vehicle maintenance, sinking funds only go so far?)