It feels crazy to admit this, but we bring in $30,000 a month, and somehow we’re still living paycheck to paycheck.
We’re not living lavishly—we’ve got two kids in private school, two car payments totaling $3,000/month, and a mortgage just under $5,000. There’s $40K in credit card debt, and a bunch of “normal” expenses that add up fast.
We have a part-time nanny, yard and pool maintenance, occasional family trips, and more nights of takeout than we’d like to admit. We just paid off a new roof and some home upgrades. Our rental property breaks even, and we’re still helping out family when they need it. But really? It’s the constant little stuff—Amazon, apps, Target runs, subscriptions—that bleeds us dry.
Here’s the part I’m most ashamed of: we have almost nothing in savings. If one of us lost our job tomorrow, we’d be in serious trouble. And our retirement accounts are basically empty. We’ve worked so hard, and yet we have nothing to show for it—no safety net, no wealth, just stress.
We know we need to change. But where do we even start?
You don’t have a money problem. You have a behavior problem.
You’re making $30,000 a month. That’s $360,000 a year, and yet you’re living like you’re broke because you refuse to tell yourself “no.” You’re living in a fog of convenience, lifestyle creep, and trying to keep up appearances—and it’s catching up to you.
You’ve got two luxury car payments bleeding you dry. You’ve got a mortgage that eats up a chunk of your paycheck. Your kids are in private school. You’re eating out constantly, paying for yard work, upgrading your home, and casually funding everyone’s Amazon cart… but you don’t have any savings. And you’re not putting away a single dollar for retirement.
That’s financial insanity.
This isn’t about how much you earn—it’s about how much you spend. And right now, you’re spending like you’ll never run out of money. But let me tell you: the money always runs out. Eventually, life punches you in the mouth—and you’ll wish you had done something sooner.
It’s time to get mad. Mad enough to make real, lasting changes. Sell the cars. Get a budget. Cut the extras. You don’t need a nanny, takeout, vacations, or a pool guy right now—you need peace. You need breathing room. And you’re going to have to sacrifice and simplify to get there.
You’re not trapped. You’re just comfortable being irresponsible. But the good news is, you can change this. You’ve got the income. You just need a plan and the discipline to stick to it.
Act like your future depends on it—because it does.