3 ms·

I get what you're saying, but I don't really think this counts as living paycheck to paycheck. This is just reverse budgeting. Heck, I do the same thing. I hav

I get what you're saying, but I don't really think this counts as living paycheck to paycheck. This is just reverse budgeting. Heck, I do the same thing. I have a predefined amount that goes into my various accounts each paycheck. The rest is used for the mortgage, bills, other monthly expenses, etc... It is much easier to adjust your 401k, Roth, HSA and Brokerage account transfers than to get a raise.

ryandrake 3y ago
It's the Warren Buffet quote: “Do not save what is left after spending, but spend what is left after saving.” I don't even see the money that goes into my savings--it happens automatically before I even get paid. What's left over is a small, small percentage of my actual after-tax pay, and that has to somehow stretch to the next paycheck, which is not always easy.