Comments on: My budget & saving http://www.1stMillionAt33.com/2006/04/my-budget-saving/ A site to share my tips, tools, and humble thoughts on the journey to wealth Sun, 02 Oct 2011 19:26:45 +0000 hourly 1 http://wordpress.org/?v=abc By: Frugal http://www.1stMillionAt33.com/2006/04/my-budget-saving/comment-page-1/#comment-2750 Frugal Sat, 21 Apr 2007 14:37:53 +0000 http://www.1stmillionat33.com/2006/04/my-budget-saving/#comment-2750 Old'un, So little that I am considering shutting this site, and spend time with my family instead. Closing comments on this old post now. Old’un,
So little that I am considering shutting this site, and spend time with my family instead.

Closing comments on this old post now.

]]> By: Old'un http://www.1stMillionAt33.com/2006/04/my-budget-saving/comment-page-1/#comment-2735 Old'un Wed, 18 Apr 2007 00:58:28 +0000 http://www.1stmillionat33.com/2006/04/my-budget-saving/#comment-2735 How much money do you get from your ads and sponsors on this website :-)? How much money do you get from your ads and sponsors on this website :-) ?

]]> By: Frugal http://www.1stMillionAt33.com/2006/04/my-budget-saving/comment-page-1/#comment-2339 Frugal Wed, 31 Jan 2007 08:41:03 +0000 http://www.1stmillionat33.com/2006/04/my-budget-saving/#comment-2339 Fred, I do include my home as my asset, and price the value of my condo conservatively, and also with 5% sale commission pre-taken out. I think when homes cost less than $20K, it was probably okay not to include the home. When the homes cost a million, it makes a huge difference in whether you have $0 in equity or a million dollar in equity. My next goal? My goals are modest: moving to a bigger home, sending kids to good college, having a comfortable retirement. I'm just like any of you. Fred,
I do include my home as my asset, and price the value of my condo conservatively, and also with 5% sale commission pre-taken out. I think when homes cost less than $20K, it was probably okay not to include the home. When the homes cost a million, it makes a huge difference in whether you have $0 in equity or a million dollar in equity.

My next goal? My goals are modest: moving to a bigger home, sending kids to good college, having a comfortable retirement. I’m just like any of you.

]]> By: Fred http://www.1stMillionAt33.com/2006/04/my-budget-saving/comment-page-1/#comment-2321 Fred Mon, 29 Jan 2007 23:28:19 +0000 http://www.1stmillionat33.com/2006/04/my-budget-saving/#comment-2321 Are you counting your condo as an asset, or did you sell it for the amount you listed? In other words, are you a millionaire in cash, or including property assets? I've noted that some of the research firms compiling family wealth never include housing assets. If you've achieved $1mm by age 33, what is your next goal? Are you counting your condo as an asset, or did you sell it for the amount you listed?
In other words, are you a millionaire in cash, or including property assets?
I’ve noted that some of the research firms compiling family wealth never include housing assets.

If you’ve achieved $1mm by age 33, what is your next goal?

]]> By: Frugal http://www.1stMillionAt33.com/2006/04/my-budget-saving/comment-page-1/#comment-2264 Frugal Mon, 22 Jan 2007 15:33:41 +0000 http://www.1stmillionat33.com/2006/04/my-budget-saving/#comment-2264 I've switched to T-mobile prepad. It's 10 cents a minute. If you don't use cell phone a lot, it's a great way to save some money. My cell phone post is at the left column, and you can google search my site on the right for more info. I’ve switched to T-mobile prepad. It’s 10 cents a minute. If you don’t use cell phone a lot, it’s a great way to save some money. My cell phone post is at the left column, and you can google search my site on the right for more info.

]]> By: crazyliblady http://www.1stMillionAt33.com/2006/04/my-budget-saving/comment-page-1/#comment-2260 crazyliblady Sun, 21 Jan 2007 20:46:59 +0000 http://www.1stmillionat33.com/2006/04/my-budget-saving/#comment-2260 Where did you get a cell phone for $7.00 per month? We currently pay around $59 for two phones, although if my stepdaughter calls or texts my husband a lot, it's sometimes $70 or more. Where did you get a cell phone for $7.00 per month? We currently pay around $59 for two phones, although if my stepdaughter calls or texts my husband a lot, it’s sometimes $70 or more.

]]> By: Frugal http://www.1stMillionAt33.com/2006/04/my-budget-saving/comment-page-1/#comment-2204 Frugal Sun, 14 Jan 2007 09:16:45 +0000 http://www.1stmillionat33.com/2006/04/my-budget-saving/#comment-2204 Use google search to search on my site. Here it is. http://www.1stmillionat33.com/2006/06/stock-newsletters-are-they-worth-it/ Use google search to search on my site. Here it is.

http://www.1stmillionat33.com/2006/06/stock-newsletters-are-they-worth-it/

]]> By: Miles http://www.1stMillionAt33.com/2006/04/my-budget-saving/comment-page-1/#comment-2203 Miles Sun, 14 Jan 2007 08:54:31 +0000 http://www.1stmillionat33.com/2006/04/my-budget-saving/#comment-2203 What investment publications / stock newsletters do you currently purchase and read? What investment publications / stock newsletters do you currently purchase and read?

]]> By: Frugal http://www.1stMillionAt33.com/2006/04/my-budget-saving/comment-page-1/#comment-2156 Frugal Sat, 06 Jan 2007 22:18:55 +0000 http://www.1stmillionat33.com/2006/04/my-budget-saving/#comment-2156 Jeff, $300 only for her personal stuffs, none of any household-related items. But I can see that your family is definitely spending a lot more than mine. Not counting any big purchases for electronics or travels, I cannot even remember the last time that I walk out of a store with a bill more than $300. I bet that you can get there in maybe 5 years if you are saving as much as I am saving. Money is about spending it now or later, just a personal choice. Jeff,
$300 only for her personal stuffs, none of any household-related items.
But I can see that your family is definitely spending a lot more than mine. Not counting any big purchases for electronics or travels, I cannot even remember the last time that I walk out of a store with a bill more than $300.
I bet that you can get there in maybe 5 years if you are saving as much as I am saving. Money is about spending it now or later, just a personal choice.

]]> By: Jeff http://www.1stMillionAt33.com/2006/04/my-budget-saving/comment-page-1/#comment-2150 Jeff Sat, 06 Jan 2007 04:27:05 +0000 http://www.1stmillionat33.com/2006/04/my-budget-saving/#comment-2150 How do you get your wife to only spend the $300 a month. I can't get my wife to walk out of Target for less than that! I'm lucky is she spends less than 3X that a month! I'm not at a million yet, but I'm almost 3/4 there. If I could get her to spend $300/mo, I'd probably be there in a couple of years!!!! How do you get your wife to only spend the $300 a month. I can’t get my wife to walk out of Target for less than that! I’m lucky is she spends less than 3X that a month! I’m not at a million yet, but I’m almost 3/4 there. If I could get her to spend $300/mo, I’d probably be there in a couple of years!!!!

]]> By: Frugal http://www.1stMillionAt33.com/2006/04/my-budget-saving/comment-page-1/#comment-1673 Frugal Sat, 04 Nov 2006 06:45:19 +0000 http://www.1stmillionat33.com/2006/04/my-budget-saving/#comment-1673 Just clicked on the $3.21 for cell phone in the table or $2.54/mo for cell phone on the left column. Just clicked on the $3.21 for cell phone in the table or $2.54/mo for cell phone on the left column.

]]> By: robert beautelus http://www.1stMillionAt33.com/2006/04/my-budget-saving/comment-page-1/#comment-1671 robert beautelus Sat, 04 Nov 2006 01:52:56 +0000 http://www.1stmillionat33.com/2006/04/my-budget-saving/#comment-1671 How is it possible to lower your cell phone bill? How is it possible to lower your cell phone bill?

]]> By: Frugal http://www.1stMillionAt33.com/2006/04/my-budget-saving/comment-page-1/#comment-1381 Frugal Thu, 21 Sep 2006 05:47:07 +0000 http://www.1stmillionat33.com/2006/04/my-budget-saving/#comment-1381 Yes, single people pay a lot more taxes at the same income level. Suppose you get yourself a wife, and your wife also works, your tax rate will be almost averaged with your wife when filing married. In my case of $100K household income, it's like I'm taxed at the rates for $50K income twice for me and my wife. That's why it's pretty low. Yes, single people pay a lot more taxes at the same income level. Suppose you get yourself a wife, and your wife also works, your tax rate will be almost averaged with your wife when filing married. In my case of $100K household income, it’s like I’m taxed at the rates for $50K income twice for me and my wife. That’s why it’s pretty low.

]]> By: MrG http://www.1stMillionAt33.com/2006/04/my-budget-saving/comment-page-1/#comment-1380 MrG Thu, 21 Sep 2006 05:40:35 +0000 http://www.1stmillionat33.com/2006/04/my-budget-saving/#comment-1380 The significant difference is that i file single without dependants, everything else seems the same...i guess you get a whopper of a tax break for having a family :-/ I didnt realize it was such a drastic change. The significant difference is that i file single without dependants, everything else seems the same…i guess you get a whopper of a tax break for having a family :-/ I didnt realize it was such a drastic change.

]]> By: Frugal http://www.1stMillionAt33.com/2006/04/my-budget-saving/comment-page-1/#comment-1379 Frugal Thu, 21 Sep 2006 05:20:08 +0000 http://www.1stmillionat33.com/2006/04/my-budget-saving/#comment-1379 #1: 4X? Are you single? Do you have 2 kids like I do? Do you have home mortgage interest for deduction? Check your tax in my tax calculator for 2005 or 2006. 2005 is accurate to down to the last cent as far as I can test it. The tax number that I quoted is counting potential tax refund already. #2: $360 should be about right. Maybe a bit less. If you cook your meal, I think it's about $2 to $3 for lunch/dinner, and maybe $0.50 to $1 for breakfast. That's about $6 per day * 2 adults * 30 days = $360. Probably need to up it by a little. Haven't done my budget for a long time. #3: My kids are too small, and just can't do anything. Haven't seen a movie for 5 years. Barely rented a video once in a while. #4: I have home association due which covers most of the exterior. Haven't bought much electronics except cameras & videocam for recording my kids. If it aint' broken, I usually don't replace it. For all the electronics so far, I probably only replaced my cameras before they are broken. I'm not into a lot of material enjoyment. I love music and books. Bookstore is my favorite place, but usually I can only flip 3 pages before my kid or baby get impatient with me. #1: 4X? Are you single? Do you have 2 kids like I do? Do you have home mortgage interest for deduction? Check your tax in my tax calculator for 2005 or 2006. 2005 is accurate to down to the last cent as far as I can test it. The tax number that I quoted is counting potential tax refund already.

#2: $360 should be about right. Maybe a bit less. If you cook your meal, I think it’s about $2 to $3 for lunch/dinner, and maybe $0.50 to $1 for breakfast. That’s about $6 per day * 2 adults * 30 days = $360. Probably need to up it by a little. Haven’t done my budget for a long time.

#3: My kids are too small, and just can’t do anything. Haven’t seen a movie for 5 years. Barely rented a video once in a while.

#4: I have home association due which covers most of the exterior. Haven’t bought much electronics except cameras & videocam for recording my kids. If it aint’ broken, I usually don’t replace it. For all the electronics so far, I probably only replaced my cameras before they are broken. I’m not into a lot of material enjoyment. I love music and books. Bookstore is my favorite place, but usually I can only flip 3 pages before my kid or baby get impatient with me.

]]> By: MrG http://www.1stMillionAt33.com/2006/04/my-budget-saving/comment-page-1/#comment-1377 MrG Thu, 21 Sep 2006 05:07:31 +0000 http://www.1stmillionat33.com/2006/04/my-budget-saving/#comment-1377 Interesting I do have a few questions... 1> I earn about the same as you have here and have similar deductions and also max out 401k, however, my fed tax is way way higher than yours...(Like 4 times as much) is this correct? 2> What about groceries? is this included in your food? thats a pretty small sum 3> What about a beer out with the lads, cinema, museums, etc etc...all those expenses that add up 4> How about maintenance for the home and the odd luxury (TV, hifi etc) surely you cant live 9 years without treating yourself a little or is the $100 a month all you need? Interesting I do have a few questions…

1> I earn about the same as you have here and have similar deductions and also max out 401k, however, my fed tax is way way higher than yours…(Like 4 times as much) is this correct?
2> What about groceries? is this included in your food? thats a pretty small sum
3> What about a beer out with the lads, cinema, museums, etc etc…all those expenses that add up
4> How about maintenance for the home and the odd luxury (TV, hifi etc) surely you cant live 9 years without treating yourself a little or is the $100 a month all you need?

]]> By: frugal http://www.1stMillionAt33.com/2006/04/my-budget-saving/comment-page-1/#comment-1207 frugal Wed, 06 Sep 2006 17:00:15 +0000 http://www.1stmillionat33.com/2006/04/my-budget-saving/#comment-1207 Thanks Dus10 for your comments. I have been thinking of moving to other places for a long time. But due to many reasons, I still cannot do that. It is definitely possible for me to get roughly the same base salary at other location. Certainly, it would have been a good move. Unfortunately, my wife cannot take the heat in Texas. And I have not been able to convince my wife about the price of weather. Depending on how you look at it, the weather can be priceless, or it can be without a price (meaning $0 value) too. Thanks Dus10 for your comments. I have been thinking of moving to other places for a long time. But due to many reasons, I still cannot do that. It is definitely possible for me to get roughly the same base salary at other location. Certainly, it would have been a good move. Unfortunately, my wife cannot take the heat in Texas. And I have not been able to convince my wife about the price of weather. Depending on how you look at it, the weather can be priceless, or it can be without a price (meaning $0 value) too.

]]> By: Dus10 http://www.1stMillionAt33.com/2006/04/my-budget-saving/comment-page-1/#comment-1206 Dus10 Wed, 06 Sep 2006 15:39:24 +0000 http://www.1stmillionat33.com/2006/04/my-budget-saving/#comment-1206 I certainly have to agree with you, frugal. FMF always highlights small financial facts. One of those facts is that you tend to earn more money if you are married and/or have a family. I think men need motivation for success. For many, this doesn't come without a family for which to be responsible. There is a certain aspect of being a male that can limit you financially if you do not have a strong motivation, like a family. For instance, if I had no family, I would probably be happy doing things with my hands that paid me enough to live comfortably at a much lower expensed lifestyle. Personally, if I had no family, I would probably move to a big city where I could make a large nominal salary, but live way below the average standard of living just to save. However, if I never had a financial motivation to begin with, I would probably have tried to get a job at one of the auto factories that are now going the way of the dinosaur. What would be amazing is if you could pull that kind of salary and live in an area like I do. It seems like your expenses are about the same as mine, total, but I do not live in a cramped place. It would allow you to live a more comfortable life (especially if it makes your wife more comfortable), and still get the same rate of savings, or better. I certainly have to agree with you, frugal. FMF always highlights small financial facts. One of those facts is that you tend to earn more money if you are married and/or have a family. I think men need motivation for success. For many, this doesn’t come without a family for which to be responsible. There is a certain aspect of being a male that can limit you financially if you do not have a strong motivation, like a family. For instance, if I had no family, I would probably be happy doing things with my hands that paid me enough to live comfortably at a much lower expensed lifestyle. Personally, if I had no family, I would probably move to a big city where I could make a large nominal salary, but live way below the average standard of living just to save. However, if I never had a financial motivation to begin with, I would probably have tried to get a job at one of the auto factories that are now going the way of the dinosaur.

What would be amazing is if you could pull that kind of salary and live in an area like I do. It seems like your expenses are about the same as mine, total, but I do not live in a cramped place. It would allow you to live a more comfortable life (especially if it makes your wife more comfortable), and still get the same rate of savings, or better.

]]> By: frugal http://www.1stMillionAt33.com/2006/04/my-budget-saving/comment-page-1/#comment-756 frugal Tue, 01 Aug 2006 04:39:27 +0000 http://www.1stmillionat33.com/2006/04/my-budget-saving/#comment-756 I never dreamed of retiring at 45. Part of the working besides earning money is giving back to the society by performing one's work & duty. I think for that reason alone, I will not retire at 45. I never dreamed of retiring at 45. Part of the working besides earning money is giving back to the society by performing one’s work & duty. I think for that reason alone, I will not retire at 45.

]]> By: Loi Tran http://www.1stMillionAt33.com/2006/04/my-budget-saving/comment-page-1/#comment-749 Loi Tran Mon, 31 Jul 2006 16:41:25 +0000 http://www.1stmillionat33.com/2006/04/my-budget-saving/#comment-749 Looks like a good budget. Hopefully I will accumulate 1 million+ when I reach 33. My long term goal is to retire at 45. Right now, I am saving about 1,500 a month. I just need to start earning more. I would like to exchange links with you. Looks like a good budget. Hopefully I will accumulate 1 million+ when I reach 33. My long term goal is to retire at 45. Right now, I am saving about 1,500 a month. I just need to start earning more.

I would like to exchange links with you.

]]> By: frugal http://www.1stMillionAt33.com/2006/04/my-budget-saving/comment-page-1/#comment-611 frugal Thu, 20 Jul 2006 19:29:00 +0000 http://www.1stmillionat33.com/2006/04/my-budget-saving/#comment-611 Updated my gasoline cost from $135 to $160, and re-do all the numbers. This is to reflect the current $3.xx gas price. Updated my gasoline cost from $135 to $160, and re-do all the numbers. This is to reflect the current $3.xx gas price.

]]> By: frugal http://www.1stMillionAt33.com/2006/04/my-budget-saving/comment-page-1/#comment-457 frugal Sun, 25 Jun 2006 07:01:58 +0000 http://www.1stmillionat33.com/2006/04/my-budget-saving/#comment-457 To Joe P. I didn't mean that my wife spent all of her allowance. Allowance is exactly what it means, an allowed amount but not necessarily a spent amount. How much she saved on those, I don't keep track because it's hers, but for sure my wife doesn't spend all $300 a month. While it is certainly true that a family man (or woman too) cannot be as ambitious as staying single, it's simply one of the choices in life that you make and you compromise on. If a person wants to have a higher personal achievement in life, then definitely he or she should get married later, or not get married at all. And I certainly don't know why I should be making more money if it's not for my family. If I don't have a family, I may just find a place with low expenses and retire right now with what I have already. I don't know why everyone is making more money for. But I know I make more money for a better and more secure future for my wife & my kids. I never regret about having a family for a second. I love them, and I definitely love them more than my money. Staying single is also good. It's just a personal choice. To Joe P.
I didn’t mean that my wife spent all of her allowance. Allowance is exactly what it means, an allowed amount but not necessarily a spent amount. How much she saved on those, I don’t keep track because it’s hers, but for sure my wife doesn’t spend all $300 a month.

While it is certainly true that a family man (or woman too) cannot be as ambitious as staying single, it’s simply one of the choices in life that you make and you compromise on. If a person wants to have a higher personal achievement in life, then definitely he or she should get married later, or not get married at all.

And I certainly don’t know why I should be making more money if it’s not for my family. If I don’t have a family, I may just find a place with low expenses and retire right now with what I have already. I don’t know why everyone is making more money for. But I know I make more money for a better and more secure future for my wife & my kids.

I never regret about having a family for a second. I love them, and I definitely love them more than my money. Staying single is also good. It’s just a personal choice.

]]> By: Joe P. http://www.1stMillionAt33.com/2006/04/my-budget-saving/comment-page-1/#comment-453 Joe P. Sun, 25 Jun 2006 03:44:57 +0000 http://www.1stmillionat33.com/2006/04/my-budget-saving/#comment-453 Marriage is not the best thing to do if you want to save money. Just think how much money you could save if you never got married or had children. You said yourself that your wife likes to spend lots of money. Women and kids tend to tie a mans hands down, take away a mans ambition and take up a lot of their time. Men could be spending that time making more money. Marriage is not the best thing to do if you want to save money. Just think how much money you could save if you never got married or had children. You said yourself that your wife likes to spend lots of money.

Women and kids tend to tie a mans hands down, take away a mans ambition and take up a lot of their time. Men could be spending that time making more money.

]]> By: frugal http://www.1stMillionAt33.com/2006/04/my-budget-saving/comment-page-1/#comment-382 frugal Sun, 18 Jun 2006 05:00:54 +0000 http://www.1stmillionat33.com/2006/04/my-budget-saving/#comment-382 Oh, I think I forgot about my stock newsletter subscriptions. I just started them this year. But I can pretty much lump them under my investment expenses instead of my regular budgets. Their costs compared to my portfolio is minimal. Oh, I think I forgot about my stock newsletter subscriptions. I just started them this year. But I can pretty much lump them under my investment expenses instead of my regular budgets. Their costs compared to my portfolio is minimal.

]]> By: frugal http://www.1stMillionAt33.com/2006/04/my-budget-saving/comment-page-1/#comment-380 frugal Sun, 18 Jun 2006 04:34:48 +0000 http://www.1stmillionat33.com/2006/04/my-budget-saving/#comment-380 There are good questions. Definitely possible that I left something out. Part of the reasons for my low utility bills is that my home is small, and in California, we don't need to heat the home (if at all). My water is usually $17 to $25. My electricity is usually $20s to $80s if it's really hot. My gas (natural gas) is $20s to $50s. My company pays for my internet access, so it's zero. The homeowner insurance is included in the homeowner due or HOA fee, and I don't need to separately insure. I don't spend a lot on books/magazines/music CD or clothing. I read mostly lots of news from internet which are way too much of readings already. The new age musicians that I follow haven't had much new CDs out. My clothing? As long as they are not worn out, I keep wearing them. Since I've got $80 cash & $100 for miscellaneous per month, it should be more than sufficient (plus baby toys maybe). My wife does spend on stuffs, and I allocate $300 for her. I barely buy stuffs for myself, since I don't feel any needs. Not even computer or electronic gadgets. You can say that I'm a boring person in that regard. The most that I spend is probably music CDs, maybe 1 CD a month, and that's just $17 a piece. And maybe I buy a book or two a year, and just 1 magazine. I can't read that much anyway, with my two small children keeping me extremely busy. These are all real numbers. Maybe you can let me know what I missed. There are good questions. Definitely possible that I left something out.
Part of the reasons for my low utility bills is that my home is small, and in California, we don’t need to heat the home (if at all).
My water is usually $17 to $25.
My electricity is usually $20s to $80s if it’s really hot.
My gas (natural gas) is $20s to $50s.
My company pays for my internet access, so it’s zero.
The homeowner insurance is included in the homeowner due or HOA fee, and I don’t need to separately insure.
I don’t spend a lot on books/magazines/music CD or clothing. I read mostly lots of news from internet which are way too much of readings already. The new age musicians that I follow haven’t had much new CDs out. My clothing? As long as they are not worn out, I keep wearing them. Since I’ve got $80 cash & $100 for miscellaneous per month, it should be more than sufficient (plus baby toys maybe). My wife does spend on stuffs, and I allocate $300 for her.
I barely buy stuffs for myself, since I don’t feel any needs. Not even computer or electronic gadgets. You can say that I’m a boring person in that regard. The most that I spend is probably music CDs, maybe 1 CD a month, and that’s just $17 a piece. And maybe I buy a book or two a year, and just 1 magazine. I can’t read that much anyway, with my two small children keeping me extremely busy.

These are all real numbers. Maybe you can let me know what I missed.

]]> By: Steve http://www.1stMillionAt33.com/2006/04/my-budget-saving/comment-page-1/#comment-379 Steve Sun, 18 Jun 2006 03:40:06 +0000 http://www.1stmillionat33.com/2006/04/my-budget-saving/#comment-379 Sorry to ask a question that might seem stupid but where are you possibly paying that little for gas, water, electricity in a given month? How come internet doesn't factor in? Your using a computer right now. What about items such as clothing, reading material, homeowners insurance...I dunno, seems like you left a lot of stuff out... Where do you live? Maybe I should read the site more before asking so many questions, but if you could answer then please do... Sorry to ask a question that might seem stupid but where are you possibly paying that little for gas, water, electricity in a given month? How come internet doesn’t factor in? Your using a computer right now. What about items such as clothing, reading material, homeowners insurance…I dunno, seems like you left a lot of stuff out… Where do you live? Maybe I should read the site more before asking so many questions, but if you could answer then please do…

]]> By: frugal http://www.1stMillionAt33.com/2006/04/my-budget-saving/comment-page-1/#comment-90 frugal Sun, 07 May 2006 17:14:34 +0000 http://www.1stmillionat33.com/2006/04/my-budget-saving/#comment-90 Wealth is really relative. The city that I work at has a median household income of more than $120K/yr, and the 2000 sq ft regular house that I really want to buy is costing $900K. At some point, life quality is more than important than money. Wealth is really relative. The city that I work at has a median household income of more than $120K/yr, and the 2000 sq ft regular house that I really want to buy is costing $900K. At some point, life quality is more than important than money.

]]> By: Aaron Kulbe http://www.1stMillionAt33.com/2006/04/my-budget-saving/comment-page-1/#comment-89 Aaron Kulbe Sun, 07 May 2006 14:30:39 +0000 http://www.1stmillionat33.com/2006/04/my-budget-saving/#comment-89 This seems nice... but I don't know anyone except for CEOs that make $100K/yr like you do. This seems nice… but I don’t know anyone except for CEOs that make $100K/yr like you do.

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