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Our system: I make more, and I pay for the biggest expenses (mortgage, and previously cars and student loans before we paid those off) and have healthcare and whatnot taken from my paycheck.

She makes less but still a decent amount and pay for the smaller bills.

Every once in a while, she'll pay for a big-ticket item (like a vacation or a large house repair) out of her savings, which accumulate faster than mine, to catch up.

It works because we started together with next to nothing, so we're both big savers: Our combined income our first year together after college a little over ten years ago was probably a quarter of what we'll make this year. We both max out (or come very close to maxing out) retirement now. She has more cash on hand because I'm paid proportionately more in various types of stock incentives, so when my incentives vest I tend to sell the company stock to diversify but keep the money in investments).

We live in a small house, no kids, reasonably cheap cars, vacations are often tacked on to work trips to save money, no expensive hobbies.

I doubt I'll "retire" early but our savings mean if I decide to leave tech in a decade and become a woodworker or park ranger, I can with no monetary consequences.



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