💡 Key Tips
- You can afford 20-25% savings rate at this income
- Consider opening a Roth IRA in addition to 401k
- Keep total debt payments under $800/month
- This is the income where lifestyle inflation becomes dangerous
See Where Your Money Really Goes
The first step to any budget is understanding your current spending. Most people are surprised - sometimes shocked - when they see the actual numbers.
Just Budget analyzes your bank statement and shows you exactly where every dollar goes. No spreadsheets, no manual entry. Just upload and see the truth.
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Analyze My Spending - Free →Why This Matters
Financial freedom isn't about how much you make - it's about how much you keep and invest. Whether you're just starting out or looking to optimize, the principles are the same: know your numbers, cut the waste, save the difference.
The best time to start was yesterday. The second best time is now.