The good thing is that although we are not doing a very good job of documenting it, we ARE doing a good job of CRUSHING IT!
Wow! An expensive month. Truth be told, we are a little embarrassed by it. It feels like we have fallen into that trap of the less time we have, the more we spend.
"I love teaching and changing people's lives, it just doesn't pay enough, which means I work more and don't spend time with the kids, and don't have time to workout... I like the idea of having the freedom to make my own schedule and not have to be stressed to find time to do a simple thing like do the laundry".
We can ALWAYS do better! This month we clearly spent more on restaurants and groceries than we would like to moving forward on average.
That figure would allow us to safely withdraw $23,087 a year with no problem until we are 60, where our $3 Million or so is waiting for us from our 401K/403B/IRA accounts.
...That $160 of FREE money REALLY becomes $1,907 of FREE money
It is most likely the ONLY reason you will either retire early, or be doomed to a life of working forever, never really feeling like you are getting ahead.