{"id":2042,"date":"2017-09-04T03:13:45","date_gmt":"2017-09-04T07:13:45","guid":{"rendered":"https:\/\/marriagekidsandmoney.com\/?p=2042"},"modified":"2023-03-27T17:02:15","modified_gmt":"2023-03-27T21:02:15","slug":"qandy-why-cant-i-get-ahead","status":"publish","type":"podcast","link":"https:\/\/marriagekidsandmoney.com\/podcast\/qandy-why-cant-i-get-ahead\/","title":{"rendered":"With My High Income, Why Can&#8217;t I Get Ahead?"},"content":{"rendered":"\n<p>From time to time, I receive questions from the Marriage, Kids and Money audience. I thought this week I'd shake up the show format a little bit by answering one of the questions I received recently about controlling expenses when we have a high income. Enjoy!<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<p><em><span style=\"font-weight: 400;\">Dear Andy, <\/span><\/em><\/p>\n\n\n\n<p><em><span style=\"font-weight: 400;\">I saw Dave Ramsey live a couple of years ago and it resonated with me. I began promptly to hack away at my debt and contribute 15% to my 401k. I &nbsp;gross $8,000 a month before all the fun stuff comes out, including insurance, etc. <\/span><\/em><\/p>\n\n\n\n<ul>\n<li><em><span style=\"font-weight: 400;\">$500 goes into a high yield savings (Currently, there is about $6,500 in that).<\/span><\/em><\/li>\n\n\n\n<li><em><span style=\"font-weight: 400;\">$1425 is currently my mortgage payment. &nbsp;Then we have all the normal bills, etc.<\/span><\/em><\/li>\n\n\n\n<li><em><span style=\"font-weight: 400;\">The summer was a bit brutal on my budget as I spent $750 in 6 weeks on summer day care, plus $1,000 on a broken AC. <\/span><\/em><\/li>\n<\/ul>\n\n\n\n<p><em><span style=\"font-weight: 400;\">So given all that \u2026 My question is <\/span><span style=\"font-weight: 400;\"><strong>\u201cHow can I get ahead?\u201d<\/strong><\/span><span style=\"font-weight: 400;\"> Maybe I just need patience? &nbsp;<\/span><\/em><\/p>\n\n\n\n<p><em><span style=\"font-weight: 400;\">We\u2019re planning on moving soon and I am already doing research on how I can find a safe place in a good school district. But I don\u2019t want that to drive us further into the monthly mortgage hole.<\/span><\/em><\/p>\n\n\n\n<p><em><span style=\"font-weight: 400;\">Anyway, I hope I do not sound overly neurotic but I would love your input.&nbsp;<\/span><\/em><\/p>\n\n\n\n<p><em><span style=\"font-weight: 400;\">Kind Regards,<\/span><\/em><\/p>\n\n\n\n<p><em><span style=\"font-weight: 400;\">Tina<\/span><\/em><\/p>\n\n\n\n<p><!--more--><\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<p><span style=\"font-weight: 400;\">First of all, congratulations on earning such an impressive income, Tina! That is awesome. You should be proud. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">And <\/span><span style=\"font-weight: 400;\"><a href=\"https:\/\/marriagekidsandmoney.com\/why-increasing-your-income-wont-solve-your-financial-problems\/\">I've been in your position too<\/a><\/span><span style=\"font-weight: 400;\">. How could we be making all of this money and have nothing to show for it at the end of the month?! I'm familiar with this life conundrum.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">When we\u2019re feeling strapped, it's usually an earning issue or a spending issue. Given that you\u2019re making a solid income each month, I would say we should try to focus our efforts on the spending side today. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">And don't worry. A lot of people have themselves in a much more difficult financial situation. According to a new survey from <\/span><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.cbsnews.com\/news\/americans-living-paycheck-to-paycheck\/?ftag=CNM-00-10aac3a\">CareerBuilder<\/a><\/span><span style=\"font-weight: 400;\">, <\/span>8 out of <span style=\"font-weight: 400;\">10 Americans are living paycheck to paycheck. Given that you're saving and investing consistently, you\u2019re more financially savvy that 80% of the country!&nbsp;<\/span><\/p>\n\n\n\n<p>In an effort to reduce your financial stress,&nbsp;<span style=\"font-weight: 400;\">I have <\/span><b>THREE AREAS<\/b><span style=\"font-weight: 400;\"> that I'll recommend to help you improve your money situation: &nbsp;<\/span><\/p>\n\n\n\n<ol>\n<li><span style=\"font-weight: 400;\"><strong>Budget<\/strong><\/span><span style=\"font-weight: 400;\"> and plan your monthly spending<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><strong>Save<\/strong><\/span><span style=\"font-weight: 400;\"> more of your hard-earned money<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><strong>Prepare<\/strong><\/span><span style=\"font-weight: 400;\"> for buying your next home<\/span><\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-budget-monthly\"><b>1. Budget Monthly<\/b><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">I\u2019m not sure if you\u2019re doing it already, but I would highly recommend living on a monthly budget going forward. I'm a big fan of <\/span><span style=\"font-weight: 400;\"><a href=\"https:\/\/marriagekidsandmoney.com\/create-your-budget-on-mint-in-10-simple-steps\/\">Mint<\/a><\/span><span style=\"font-weight: 400;\">. My wife and I have used this program for the past 5 years and its changed the way we communicate, save and live. We have less money fights and we've been able to achieve our <\/span><span style=\"font-weight: 400;\"><a href=\"https:\/\/marriagekidsandmoney.com\/15-year-mortgage-paid-off-in-5-years\/\">financial dreams<\/a><\/span><span style=\"font-weight: 400;\"> a lot easier. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Whether it's Mint, <a href=\"https:\/\/marriagekidsandmoney.com\/ynab\" target=\"_blank\" rel=\"noreferrer noopener\">YNAB<\/a>, <a href=\"https:\/\/marriagekidsandmoney.com\/personalcapital\" target=\"_blank\" rel=\"noreferrer noopener\">Personal Capital<\/a> or just a plain old excel sheet, if you\u2019re able to outline the specifics of your cash flow each month, you\u2019re gonna feel a lot less strapped.<\/span><\/p>\n\n\n\n<figure><iframe loading=\"lazy\" style=\"border: none; overflow: hidden;\" src=\"https:\/\/www.facebook.com\/plugins\/post.php?href=https%3A%2F%2Fwww.facebook.com%2FandyhillMKM%2Fposts%2F261419580952697&width=500\" width=\"500\" height=\"507\" frameborder=\"0\" scrolling=\"no\"><\/iframe><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-savings-opportunities\">2. Savings Opportunities<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Let\u2019s say you\u2019ve now outlined everything in your monthly budget and the numbers are looking a bit tight. Again, you<\/span><span style=\"font-weight: 400;\">&nbsp;have two options &#8211; earn more or spend less. I\u2019d say you\u2019re earning a great amount of money. There\u2019s always ways to <\/span><span style=\"font-weight: 400;\"><a href=\"https:\/\/marriagekidsandmoney.com\/become-millionaire-30\/\">increase your income<\/a><\/span><span style=\"font-weight: 400;\">, but let\u2019s focus on potential savings opportunities.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">I\u2019m gonna go out a limb (with the help of the <\/span><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.bls.gov\/news.release\/cesan.nr0.htm\">US Department of Labor<\/a><\/span><span style=\"font-weight: 400;\">) and say these are the three top spending areas in your budget:<\/span><\/p>\n\n\n\n<ol>\n<li><span style=\"font-weight: 400;\"> Housing<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Transportation<\/span><\/li>\n\n\n\n<li>Food<\/li>\n<\/ol>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-housing\"><strong><span style=\"color: #ff6600;\">Housing<\/span><\/strong><\/h4>\n\n\n\n<p><span style=\"font-weight: 400;\">I don\u2019t think your mortgage is too crazy honestly. Depending on your tax bracket and where you live, we can conservatively say you\u2019re mortgage is around 25% of your income. You're in line in my opinion.<\/span><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-transportation\"><strong><span style=\"color: #ff6600;\">Transportation<\/span><\/strong><\/h4>\n\n\n\n<p><span style=\"font-weight: 400;\">Take a deep look into your car situation. Are you leasing some expensive cars? <\/span><span style=\"font-weight: 400;\">If so, you could consider downgrading from the pricey lease to a less expensive purchase? That\u2019s more of a long-term plan, but something to consider for sure.<\/span><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-food\"><strong><span style=\"color: #ff6600;\">Food<\/span><\/strong><\/h4>\n\n\n\n<p><span style=\"font-weight: 400;\">How much are you eating away from home? Could you do some trimming there? <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">How about groceries? If you have an <\/span><span style=\"font-weight: 400;\"><a href=\"http:\/\/aldi.us\/stores\/\">Aldi near you<\/a><\/span><span style=\"font-weight: 400;\">, they have an excellent selection of organic and healthy options that cost a whole lot less. We switched to Aldi for our family of four and we\u2019ve been <\/span><span style=\"font-weight: 400;\"><a href=\"https:\/\/marriagekidsandmoney.com\/march-mkm-challenge-reduce-your-grocery-expenses-by-13\/\">saving about $300 per month<\/a><\/span><span style=\"font-weight: 400;\"> and pretty much eating the same food.<\/span><\/p>\n\n\n\n<p>No Aldi? No problem. Try reducing your grocery shopping to weekly and going with a list. Avoid the grocery store or Costco &#8220;pop-ins&#8221; as much as possible.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-other-expenses\"><strong><span style=\"color: #ff6600;\">Other Expenses?<\/span><\/strong><\/h4>\n\n\n\n<p><span style=\"font-weight: 400;\">Outside of the house, your car(s) and food, there are plenty of other areas where you can continue making tiny dents in the spending machine.&nbsp;<\/span><\/p>\n\n\n\n<ol>\n<li><span style=\"font-weight: 400;\">Reexamine all of your insurance costs (auto, life, home, etc) annually and make sure you\u2019re getting a competitive rate.<\/span><\/li>\n\n\n\n<li><a href=\"https:\/\/marriagekidsandmoney.com\/how-to-cut-the-cord-on-cable-tv\/\">Cut the cord on cable&nbsp;TV<\/a>. It is amazing what an HD Antenna and a Netflix subscription can do to your TV life.<\/li>\n\n\n\n<li><a href=\"https:\/\/marriagekidsandmoney.com\/save-1000-without-leaving-home\/\">Declutter your home<\/a> and sell unnecessary items on Craigslist.<\/li>\n<\/ol>\n\n\n\n<figure><iframe loading=\"lazy\" style=\"border: none; overflow: hidden;\" src=\"https:\/\/www.facebook.com\/plugins\/post.php?href=https%3A%2F%2Fwww.facebook.com%2FandyhillMKM%2Fposts%2F315816938846294&width=500\" width=\"500\" height=\"570\" frameborder=\"0\" scrolling=\"no\"><\/iframe><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-buying-your-next-home\">3. <b>Buying Your Next Home<\/b><\/h3>\n\n\n\n<p>Onto the last piece of the puzzle \u2026 buying your next home. Since this is incredibly important, you want to make sure you're doing it right.<\/p>\n\n\n\n<p>I have <strong>5 suggestions<\/strong> to make sure you don\u2019t end up house rich and cash poor. To put it in your words Tina, you don\u2019t want to \u201cfall into the monthly mortgage hole!\u201d.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-1-save-up-for-an-emergency-fund\"><strong><span style=\"color: #ff6600;\">1. Save up for an Emergency Fund<\/span><\/strong><\/h4>\n\n\n\n<p>Accumulate at least 3 months of expenses for job loss, unexpected issues with your new home or random kiddo mistakes. As an example, my daughter cracked and broke our porcelain sink with a huge drinking glass last year. &#8220;Whoopsy Daddy!&#8221; With an <a href=\"https:\/\/marriagekidsandmoney.com\/5-smart-reasons-to-have-emergency-fund\/\">Emergency Fund<\/a>, it allowed us to not lose our cool on our 4-year-old.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-2-avoid-private-mortgage-insurance-pmi\"><strong><span style=\"color: #ff6600;\">2. Avoid Private Mortgage Insurance (PMI)<\/span><\/strong><\/h4>\n\n\n\n<p>PMI is an insurance for the mortgage company that YOU pay for on THEIR behalf typically when you put down less than 20%. It is insuring them in case you default on your mortgage.<\/p>\n\n\n\n<p>Since PMI can add up to 1% of the cost of your mortgage, it should be avoided if possible.<\/p>\n\n\n\n<p>For example, if you\u2019re getting a $100,000 mortgage, you\u2019d be paying an additional $1,000 per year or $83.33 per month of unnecessary costs. Go for at least 20% down and you\u2019re golden.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-3-keep-mortgage-payment-to-less-than-25-of-your-income\"><strong><span style=\"color: #ff6600;\">3. Keep Mortgage Payment to Less Than 25% of your Income<\/span><\/strong><\/h4>\n\n\n\n<p>It looks like you\u2019re doing this already Tina so no worries here. The point is to leave enough room for life\u2019s \u201cother expenses\u201d. Too much house can make for a difficult and somewhat boring life.<\/p>\n\n\n\n<p>We partnered with <a href=\"https:\/\/marriagekidsandmoney.com\/lendingtree\">LendingTree<\/a> to get us the lowest rate possible. Check them out.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-4-consider-the-cost-to-update-and-furnish-your-home\"><strong><span style=\"color: #ff6600;\">4. Consider the Cost to Update and Furnish Your Home<\/span><\/strong><\/h4>\n\n\n\n<p>Depending on your taste, style and overall family situation, this can be a lot of money! A lot of people only consider if they can afford the down payment, but they don\u2019t factor in the updates. Be smart and factor this in.<\/p>\n\n\n\n<p>You don\u2019t have to go hog-wild at Pottery Barn either. Finding deals on Craigslist and Facebook Marketplace is totally doable if your budget is tight.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-5-work-with-experts\"><strong><span style=\"color: #ff6600;\">5. Work with Experts<\/span><\/strong><\/h4>\n\n\n\n<p>Don\u2019t do this alone. Get an excellent real estate agent that knows your area well.<\/p>\n\n\n\n<p>Always get an inspection. Even the \u201cperfect\u201d house can have flaws. You need to know about them.<\/p>\n\n\n\n<p>With prices being crazy high around the US, get an appraisal. This independent expert will confirm the pricing is in line with the neighborhood.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">Searching for a new home in this seller&#39;s market? <a href=\"https:\/\/twitter.com\/hashtag\/mortgage?src=hash&ref_src=twsrc%5Etfw\">#mortgage<\/a> <a href=\"https:\/\/twitter.com\/hashtag\/money?src=hash&ref_src=twsrc%5Etfw\">#money<\/a>  <a href=\"https:\/\/twitter.com\/tonygatliff?ref_src=twsrc%5Etfw\">@tonygatliff<\/a> @BBMCMortgage <a href=\"https:\/\/t.co\/S5UmpLFQGh\">https:\/\/t.co\/S5UmpLFQGh<\/a><\/p>&mdash; Andy Hill (@AndyHillMKM) <a href=\"https:\/\/twitter.com\/AndyHillMKM\/status\/884481596786659329?ref_src=twsrc%5Etfw\">July 10, 2017<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script>\n<\/div><\/figure>\n\n\n\n<p>In summary Tina, I think you are kicking butt on the income side of things. Take a hard look at your expenses with a <a href=\"https:\/\/marriagekidsandmoney.com\/budget-your-way-to-financial-freedom-in-5-steps-2\/\">monthly budget<\/a> and see where you could be saving further. Getting intimate with your finances before you buy the new home will help you feel more comfortable with this HUGE family decision.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-do-you-have-a-question-about-marriage-kids-and-money\">Do You Have a Question about Marriage, Kids and Money?<\/h3>\n\n\n\n<p>If you have a question for me, please email me at <strong>andy &#8220;at&#8221; MarriageKidsandMoney.com<\/strong>, contact me on <a href=\"http:\/\/facebook.com\/andyhillmkm\">Facebook<\/a> or <a href=\"http:\/\/twitter.com\/andyhillmkm\">Twitter<\/a>.<\/p>\n\n\n\n<p>I\u2019d love to read your question on the show and provide an answer like I did for Tina today. As long as I\u2019m getting questions and you all feel like it's providing value, I\u2019ll do it once a month.<\/p>\n\n\n\n<p>Big Disclaimer! I\u2019m in no way a financial expert. I don't have CPA or CFP designations. I\u2019m just a guy who has worked hard to become <a href=\"https:\/\/marriagekidsandmoney.com\/15-year-mortgage-paid-off-in-5-years\/\">debt free<\/a> and set his family on a path toward financial independence. I\u2019ll answer questions that I feel comfortable with or defer to experts that I've met or interviewed on the <a href=\"https:\/\/marriagekidsandmoney.com\/mkmpodcast\/\">podcast<\/a>.<\/p>\n\n\n\n<p>If you're looking to join me for an MKM challenge this month, <a href=\"https:\/\/marriagekidsandmoney.com\/mkm-challenge-theres-a-better-you-inside-this-book\">click here<\/a>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-do-you-feel-strapped-each-month-even-with-a-high-income\">Do you feel strapped each month even with a high income?<\/h2>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n","protected":false},"author":3,"featured_media":10368,"comment_status":"open","ping_status":"open","template":"","epcats":[675],"eptags":[780,696,1078,831],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.4 (Yoast SEO v22.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ 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