Back to the original post, 40% after tax income on mortgage expense is still on the high side but roughly 2k. The perfect budget is that all of the expenses of the house, PITI,hoa, utilities, gardner and maid equal 50%, the complete house tab equal 50% of your take home, determined after health insurance, dental insurance and 401k deducted. Clothes, food, cars, alcohol, porn and just having fun is the other half, income tax refund can be used for furniture, vacations, braces or other big ticket one time expenses. That’s the perfect budget, unfortunately 100k isn’t going to make it in S.D., 150k for a family of three is the launching point.
That way you don’t have to forgo the Nails. BTW, I am all dude, hopelessly heterosexual and I get my nails done, buffed not polished. Sex with men makes a man gay, not having a mani/pedi to match the suit and tie, c’mon guys, a little grooming goes a long way.
