For me I generally pirate most books I read, although if there is a book I really enjoyed I will buy the physical copy.
I also generally tend to avoid having takeaways because they are just so expensive in this day and age with inflation and tend to opt for cheap meals like pasta or rice etc.
Also I don’t pay for any streaming services, but borrow a VPN service from a friend to pirate the movies I watch.
Curious to hear of some ways that you people here save money.
One kid costs about $10K a year, mostly daycare or after school care. Usually a couple can afford that and still be okay. The return on investment is pretty big since the kid provides you with lots of opportunities being a childless couple does not. Now having four, that’s a ticket to broke town.
$10k is low end, and won’t even cover paying for 4 years of a state college. In state most places is pushing $35-40k/yr including room and board. Out of state is closer to $60k/yr. If you make enough not to get any financial assistance, Ivys in big cities are going for close to 6 figures once you pay for stupid-expensive rent. Even in a good growth fund, $10k/year starting at birth may not even fund a BS degree.
Now, ongoing maintenance on multiples gets cheaper in quantity, you just have to steer them towards the trades so their college costs disappear. Or hope they get full ride scholarships with housing allowances.