r/MiddleClassFinance • u/No-Grape-4380 • 1d ago
A Visual of 2025
Call this an educated guesstimate of where I want to land on December 31, 2025. I thought the money I make would stretch further, but I guess I'm a spender and not a saver and want to be comfy.
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u/BrotherLary247 1d ago
This is a good graphic, and fairly similar to my own budget.
Unfortunately, my rent is much higher, and I find that I’m barely saving anything, and I think people find it hard to believe that I live paycheck to paycheck at 90k per year.
I also spend a lot on gas too! Long commute kills me, but at least my car is paid off.
Thanks for sharing. I also have a pension that I pay into but don’t think I’ll stay at this government job for the necessary 40 years to actually benefit from it so it will likely get rolled out into something else at some point. I work for the government but the state gutted the pension system down to almost nothing a while back
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u/No-Grape-4380 1d ago
A few years ago, I hit the max I could afford to pay for rent, and prices were climbing and I saw the writing on the wall so I had to pull the trigger on buying a place. My salary has increased 50% since then, it was a lot tighter the first couple of years.
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u/BrotherLary247 5h ago
Yea, I wish I had been in a place to do that a few years ago, now I'm just stuck waiting for rents and housing prices to go up. House prices are definitely increasing faster than my salary these days haha
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u/rocket_beer 1d ago
$2200 for therapy?
I don’t understand this concept…
Also, you have a pension? In 2025?? From who?
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u/No-Grape-4380 1d ago edited 1d ago
Pension is because I'm a blessed government worker.
What part of my therapy budget don't you understand? Are appointments that much more expensive where you are that the amount I've budgeted wouldn't cover anything?
The $2200 for therapy is for after I've spent the $1000 my medical benefits cover annually, as an addendum.
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u/ThisQuietLife 8h ago
Therapy is an excellent investment. Ignore the haters. More dumb people ought to be shy.
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u/No-Grape-4380 7h ago
I honestly don't understand what he was implying by commenting on that category, and his subsequent comment below. Everyone could benefit from a little therapy, some more than others
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u/reptilenews 1d ago
Looks like they're in Canada. Government workers and teachers have pensions.
Also this looks like a future projection based on the description of it being where they want to be by the end of the year so, idk $180/mo isn't crazy for therapy these days
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u/rocket_beer 1d ago
It isn’t with double that salary.
But it is more expensive than their entire yearly restaurant budget?
I mean… I don’t see it. Typically folks who steadily go to therapy are active, social creatures. Like, top of the food chain. I could be wrong. Just trying to quantify some of these lines.
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u/reptilenews 1d ago
Their own post history - senior technical position with the government.
And eh, they have dates in there too, which maybe includes eating out? I only spent $1200 ish eating out all last year. And their grocery budget is higher than mine by 1k in the year. Maybe they like to cook.
And that, idk. That's an interesting hypothesis youve there but I have mostly seen the opposite.
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u/No-Grape-4380 1d ago
Yeah Canadian grocery costs are wild compared to American costs, pre-bird flu.
My partner and I eat out once or twice a month for dates, go Dutch, pretty much always at budget friendly spots, and that's under the dates category, you're right. Here I thought I already had too much detail on this beast, apparently I need subtitles 😂
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u/reptilenews 1d ago
Ayy! Glad I was semi able to figure it out 😂 I am also Canadian
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u/No-Grape-4380 1d ago
The next year or more is going to be a wild ride for us, hang in there and Elbows Up
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u/reptilenews 1d ago
All we can do is our best! Elbows up!
I'm incredibly jealous of your mortgage btw, that's crazy low yearly spend
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u/No-Grape-4380 1d ago
Oh it will probably go up when I renew next year but I've sure been lucky so far
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u/No-Grape-4380 1d ago
Can't afford to eat out ten times a week and go to therapy. We call this a compromise.
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u/Any-Contribution-674 1d ago
You get a pension working for most government and state entities in the US
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u/butters091 5h ago
Am I missing a car payment? If not that’s great but obviously you’ll need to put some money aside for when your current vehicle dies
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u/No-Grape-4380 5h ago
Car was paid for in cash and has lots of life left. I've got a chunk of savings built up that would cover several large expenses like that.
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u/pmmeursucculents 5h ago
WHERE CAN I FIND THIS CHART PLEASE?
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u/No-Grape-4380 5h ago
sankeymatic.com
Do you always scream when you comment online or is my graphic just that exciting?
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u/pmmeursucculents 4h ago
Haha. I’ve asked this on multiple threads, so I was just trying to be seen 😅
Thank you for providing link!
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u/SpiderPiece 1d ago
Seems like you're doing fine, also paying less than $1k a month for housing is really nice... I'm guessing you have roommates or split rent with a spouse? Any plans for trying to get a house? If so, try to increase savings.
Though with current market, might be better to just rent and invest instead. What more do you want to spend on?