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@billyherman45 Surely some of the communities for churning or other CC rewards strategies could help you get that down. My wife and I haven’t paid a dime for airline baggage fees in years and we spend less than half that for CC fees. Again, great that you get streaming services, but you spend...

@billyherman45 With that level of income, you really need to max your 401k and 403b contributions before after-tax savings, in order to reduce your taxes. I know that you’re quite granular already but what are you buying every month from Amazon, Target, Costco, and “other” for $730? I’m sure...