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While I agree with you overall theme (at least have your LTR working part-time), I have to say the above budget is not wise: 1) Putting 5 percent down on a $300,000 home at $100,000 salary means you can't really afford the home. Additionally, you will be paying extra $$ on insurance for many years because you didn't put 20 percent down; 2) Spending $600 on car payments when your income is $100,000 is foolish
Its easy to recommend perfect financial advice, but most people will be far more irresponsible with their budget on a $100k salary than what I’ve outlined. I intentionally put some overreaching in there. And that whole financial aspect took 5 minutes to write out.