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@resjudicata Yeah this is an expensive area, the principle + interest is ~$4300/mo. (2.875% rate, bought in 2021). The property taxes are kind of a killer. Even our real estate agent made an off-hand comment that she couldn't believe taxes would be as high as they are (~$17.5k per year)

@chonstance Yeah I guess IRA was the wrong term. I meant more of a custodial brokerage account (or something) for the kid until that eventually transfers to them. But I do like the idea of a “gift” account too.

@nart The Amazon/Target/Costco numbers are an average based on the last 12 months. As an example, we only go to Costco maybe 3-4 times a year but when we do we load up. The “other” category was me being lazy because I could have just added everything lol. But your point still stands. Card fees...

Wasn't sure how granular to get so apologies if this is a bit messy lol. This is all monthly (except the bonus income which paid quarterly but shown here as monthly). A lot of these are averages based on the last 12 months particularly under discretionary. Some notes: I work in tech, spouse...