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<blockquote data-quote="Kitty Tantrum" data-source="post: 1453299" data-attributes="member: 20122">I believe it is better to work hard in order to obtain what is needed as it is needed, than to try to hoard away extra in anticipation of some unknown, beyond modest savings.There&#039;s a balance to that, of course, and it certainly doesn&#039;t involve causing or allowing your family to suffer needlessly.But if you decide you need to be making six figures before you can start a family, because maybe someone will have unforeseen health expenses (for example), that&#039;s a likelier recipe for eventually falling prey to consumer temptation and the unhappiness it tends to yield.Starting and raising family on $20-30k per year might sound insane, but if you structure your life around being able to do this, it gives you a lot more room to generate and leverage additional income than if you&#039;re in a situation where you&#039;re in the upper end of what you can expect to earn in your field and working a demanding career and all of your various expenses are scaled proportionately.If making money comes easily to you, then definitely worry more about how you employ those funds than about whether you&#039;re making too much.But a lot of people throw a huge chunk of their lives away struggling to attain an arbitrary income level as a prerequisite for things they never get around to. They&#039;d have been happier just doing those things as a poor person and also having 30% more time to sit and think. <img src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" class="smilie smilie--sprite smilie--sprite1" alt=":)" title="Smile&nbsp; &nbsp; :)" loading="lazy" data-shortname=":)" /></blockquote>

[QUOTE="Kitty Tantrum, post: 1453299, member: 20122"] I believe it is better to work hard in order to obtain what is needed as it is needed, than to try to hoard away extra in anticipation of some unknown, beyond modest savings. There's a balance to that, of course, and it certainly doesn't involve causing or allowing your family to suffer needlessly. But if you decide you need to be making six figures before you can start a family, because maybe someone will have unforeseen health expenses (for example), that's a likelier recipe for eventually falling prey to consumer temptation and the unhappiness it tends to yield. Starting and raising family on $20-30k per year might sound insane, but if you structure your life around being able to do this, it gives you a lot more room to generate and leverage additional income than if you're in a situation where you're in the upper end of what you can expect to earn in your field and working a demanding career and all of your various expenses are scaled proportionately. If making money comes easily to you, then definitely worry more about how you employ those funds than about whether you're making too much. But a lot of people throw a huge chunk of their lives away struggling to attain an arbitrary income level as a prerequisite for things they never get around to. They'd have been happier just doing those things as a poor person and also having 30% more time to sit and think. :) [/QUOTE]

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