Locums Market Temp Check

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Whats the actual returns someone needs to even stay even with the money supply m2 global expansion? Ive read that the s and p 500 has literally only kept base with actual true inflation or money expansion worldwide not what the gov't wants you to think is the 2-3% inflation crack they are feeding you. I see it in the organic blueberries and housing since covid. Anyone can see its not reality if they are shopping in general.
Over what time period? I agree inflation has been worse than advertised over the past 5 years but there is absolutely no way the S and P has lagged inflation over longer periods. Housing may have outpaced stocks in the Bay Area and Seattle but you can get a place in the central Midwest for not much more than 20 years ago.

As for blueberries, stick with the conventional ones in season. Coffee on the other hand I wish I had a solution to.
 
Driscoll's Sweetest batch never fails me. And they are sold everywhere now. Love that selective breeding haha
Are you for real? Out of season blueberries are trash. Taste like sawdust. Some for those giant Chilean ones. Now I have to question everything you’ve ever posted.
 
Are you for real? Out of season blueberries are trash. Taste like sawdust. Some for those giant Chilean ones. Now I have to question everything you’ve ever posted.
Only their sweetest batch blueberries. It needs to be labeled that. Not all driscoll’s
 
Only their sweetest batch blueberries. It needs to be labeled that. Not all driscoll’s

Is costcos organic blueberries trash then? Also the frozen wild organic blueberries from trader joes are like 4 bucks for 12oz.
 
Is costcos organic blueberries trash then? Also the frozen wild organic blueberries from trader joes are like 4 bucks for 12oz.
I don’t know man. I’m that guy who, whenever a thread devolves into a pissing match over whether or not “California is worth the price,” waxes on and on about the produce. I only get my blueberries from the good folks at Triple Delight and they’re only in season for like 8 weeks. I freeze a ton of them for the rest of the year. So I’m probably biased.
 
I don’t know man. I’m that guy who, whenever a thread devolves into a pissing match over whether or not “California is worth the price,” waxes on and on about the produce. I only get my blueberries from the good folks at Triple Delight and they’re only in season for like 8 weeks. I freeze a ton of them for the rest of the year. So I’m probably biased.
I wasn't trying to "sell" California haha. I believe Sweetest Batch fruits are sold nationwide.


"Most shoppers buy regular berries. Others splurge on organic berries. But more are now filling their carts with these luxury berries.
If you spot a clamshell with a Driscoll’s Sweetest Batch sticker, you’re staring at the premium brand, the finest berries of a company that trademarked the phrase “only the finest berries.”

You can also tell they’re Sweetest Batch berries simply by looking at the price tag. A dozen strawberries might set you back $6.99. I’ve seen 11-ounce containers of blueberries for $10.99 and $12.99 in stores that are right next door to each other. The organic raspberries cost roughly 30% more than a box of conventional raspberries, and a carton of Sweetest Batch raspberries cost another 30% more per pound.

Sweetest Batch is a tiny part of Driscoll’s overall revenue—for now. Like the berries themselves, the business needs time to grow. It takes between five and seven years to breed a new variety, and the first Sweetest Batch products hit the market five years ago, starting with strawberries and raspberries. They account for about 20% of the privately owned company’s blueberry sales, which executives say is a reasonable goal for the entire premium line.

The other goal of the Sweetest Batch program is to boost the quality of all Driscoll’s strawberries, blueberries, raspberries and blackberries. By selecting the berries with the traits they want, they are keeping those genes around for longer, which means every batch will get sweeter.

It might sound obvious that a company in the business of making strawberries decided to make one that tasted better.

Every berry is a genetic compromise because selecting for one trait means sacrificing another. In theory, Driscoll’s breeders could optimize for a berry that’s sweeter than the ones that currently exist. In reality, that berry would probably be so fragile that it would barely get across the street, much less across the country. Even the really, really tasty Sweetest Batch varieties must satisfy Driscoll’s criteria for productivity, efficiency and market condition.

That quest for flavor involves Driscoll’s sensory analysts, plant pathologists and molecular geneticists. Even top executives have cups of berries waiting at their desk every day for the consumer lab to collect data. And the company gets input from people who have been recruited for their sophisticated palettes: supertasters.

Taste is subjective, but Driscoll’s wanted to make it more objective. The company developed a sensory wheel that includes more than 100 different words to describe taste (sweet, sour, salty, bitter, umami), texture (crunchy, melty, firm, mushy), mouthfeel (juicy, chalky, refreshing, puckering, astringent, effervescent) and flavor and aroma (fruity, candied, floral, herbal).

Every year, Rak gets a massive data file predicting the outcomes of more than 250,000 possible genetic crosses. He quickly weeds out the ones that won’t hit the minimum thresholds for yield, flavor and shelf life, plus the ones that don’t have specific markers for disease resistance and sugar production. That whittles the list down to something like 10,000 potential varieties, and Driscoll’s can only plant roughly 200 in the test plot. After they’re seedlings, they survive five stages and a two-year farm trial before they’re ready for commercial sales, and fewer than 10 varieties have been released since 2017. “The breeding program is all about finding outliers,” he said."
 
Are you for real? Out of season blueberries are trash. Taste like sawdust. Some for those giant Chilean ones. Now I have to question everything you’ve ever posted.
The only civilized solution is to grow your own greenhouse blueberries year round.
 
Best berries are in Oregon anyways. Hood strawberries makes Sweetest Batch taste just a touch better than usual grocery store stuff. No better QC and price point than pick your own. Huge difference between getting every berry at its peak vs a mixed batch.
 
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Best berries are in Oregon anyways. Hood strawberries makes Sweetest Batch taste just a touch better than usual grocery store stuff. No better QC and price point than pick your own. Hugh difference between getting every berry at its peak vs a mixed batch.
Thanks for the rec, will have to try next time I visit
 
Horrible out dated advice. Diversification is how to preserve wealth. To attain it you need to concentrate on one area and go balls deep.
After saving $100,000 per year for 20 years at a 7 percent annual return, you will have approximately $4,099,549.23 in savings.

After saving $150,000 per year for 20 years at a 7% annual return, you will have approximately $6,149,323.85 in savings.

In 20 years, by saving $150,000 per year at a 9 percent annual return, you will have approximately $7,674,017.95 in savings.

______
The expected annualized return for a portfolio of 50% Total US stocks, 25% Total international stocks, and 25% USA small-cap value over the past 20 years would be approximately 9.3% per year.


 
After saving $100,000 per year for 20 years at a 7 percent annual return, you will have approximately $4,099,549.23 in savings.

After saving $150,000 per year for 20 years at a 7% annual return, you will have approximately $6,149,323.85 in savings.

In 20 years, by saving $150,000 per year at a 9 percent annual return, you will have approximately $7,674,017.95 in savings.
My neuro surgeon friend making 1.5 million can barely save $2000 a month. A wife and 3 kids. Wife blowing 10k on handbags.

I think 90% of regular docs will have a hard time saving more than 24k pretax retirement (some get Jo retirement matching ) plus another 75k savings to reinvest in back door Roth and taxable accounts each year.
 
Basically any produce picked and eaten when ripe will be better than stuff picked earlier so that it doesn’t rot during shipping.
 
After saving $100,000 per year for 20 years at a 7 percent annual return, you will have approximately $4,099,549.23 in savings.

After saving $150,000 per year for 20 years at a 7% annual return, you will have approximately $6,149,323.85 in savings.

In 20 years, by saving $150,000 per year at a 9 percent annual return, you will have approximately $7,674,017.95 in savings.

______
The expected annualized return for a portfolio of 50% Total US stocks, 25% Total international stocks, and 25% USA small-cap value over the past 20 years would be approximately 9.3% per year.



I know plenty of people saving 150k just in retirement accounts or close to it. If ur in gas making 500-600k this shud be a minimum target. Im also paranoid about future returns and inflation numbers. I would tell younger gas docs with no fam to try for 200k while single.
 
My neuro surgeon friend making 1.5 million can barely save $2000 a month. A wife and 3 kids. Wife blowing 10k on handbags.

I think 90% of regular docs will have a hard time saving more than 24k pretax retirement (some get Jo retirement matching ) plus another 75k savings to reinvest in back door Roth and taxable accounts each year.

Yeah people arent great with money. My 12 year dentist friend has no retirement asking me if recent house sale shud go to loans or investing. Saving 100k yearly is likely not as common as we like to think. Some think work till 65 and worry abt saving in late 40s/50s. Thats why docs cant retire early.
 
My neuro surgeon friend making 1.5 million can barely save $2000 a month. A wife and 3 kids. Wife blowing 10k on handbags.

I think 90% of regular docs will have a hard time saving more than 24k pretax retirement (some get Jo retirement matching ) plus another 75k savings to reinvest in back door Roth and taxable accounts each year.
Funniest part of this is that luxury goods market is now passe in the rich social circles. They've moved on to custom, one of a kind merch and experiences.
 
After saving $100,000 per year for 20 years at a 7 percent annual return, you will have approximately $4,099,549.23 in savings.

After saving $150,000 per year for 20 years at a 7% annual return, you will have approximately $6,149,323.85 in savings.

In 20 years, by saving $150,000 per year at a 9 percent annual return, you will have approximately $7,674,017.95 in savings.

______
The expected annualized return for a portfolio of 50% Total US stocks, 25% Total international stocks, and 25% USA small-cap value over the past 20 years would be approximately 9.3% per year.



who is saving 100k a year? we got bills
 
who is saving 100k a year? we got bills
Yeah. Blade assumes people have
1. No mortgage
2. No kids
3. No student loans. ($1000-2000/mo)
4. No car payments

Mortgage and kids take up a min 50k a year for 80% of us docs (and I’m basing it on an average $3000/mo mortgage )

And we know many those these days have 6-7k a month (or more ) in mortgage

At min 75k in mandatory expenses

500k a year. 30-50% towards taxes depending on the state income taxes.

300k post tax money.
He wants docs to save 100k

So that leaves you with 200k post tax money to live off. Minus 75k in mandatory expenses

120k ish post tax money left to live on.

Is that doable? Absolutely.

Now ask Blade
Do you live off 120k a year in post tax money???

I take 50k a year in vacation alone. There are crnas husband and wife team blow through 70-80k vacation each year I know. They spend most of their money and they travel extreme luxury. I’m sure they aren’t saving 100k.
 
who is saving 100k a year? we got bills
LOL

Spend less.

This forum is just ridiculous sometimes. Every one of us working full time is making north of $500K per year. The only thing getting in the way of saving $100K (much of which can be pretax) is lifestyle inflation.

No group pretends to be rich like doctors, I guess.
 
who is saving 100k a year? we got bills
For 2026, the standard 401(k) contribution limit is $24,500, with an extra $8,000 catch-up for age 50+, totaling $32,500; those 60-63 might get a special $11,250 super catch-up for a total of $35,750, if their plan allows, with combined employee/employer limits at $72,000.
 
I take 50k a year in vacation alone. There are crnas husband and wife team blow through 70-80k vacation each year I know. They spend most of their money and they travel extreme luxury. I’m sure they aren’t saving 100k.
That is ridiculous to me. But to each his own. I always worked and managed money as if my situation would come to a screaching halt and this was around the corner. There was barely any vacation save for where i can drive in an afternoon. I certainly do not prescribe to the adage, "Keeping up with the Joneses" I dont give a **** where the crna goes.
 
For 2026, the standard 401(k) contribution limit is $24,500, with an extra $8,000 catch-up for age 50+, totaling $32,500; those 60-63 might get a special $11,250 super catch-up for a total of $35,750, if their plan allows, with combined employee/employer limits at $72,000.
But Biden killed the catch-up for age 50 and older. I finally turned 50 last and got to enjoy just 2 years of pretax catch-up $7000 contribution. Now forced to do post tax Roth contributions.

Just another maneuver by the democrats to secure more taxes. Obviously going after higher income earners.
 
I know plenty of people saving 150k just in retirement accounts or close to it. If ur in gas making 500-600k this shud be a minimum target. Im also paranoid about future returns and inflation numbers. I would tell younger gas docs with no fam to try for 200k while single.
Does not matter. Look at the precious metal prices. Paper money means nothing. The great reset is coming.
 
LOL

Spend less.

This forum is just ridiculous sometimes. Every one of us working full time is making north of $500K per year. The only thing getting in the way of saving $100K (much of which can be pretax) is lifestyle inflation.

No group pretends to be rich like doctors, I guess.

Some people want to have a million dollars. Others want to spend a million dollars. Which one is rich? 🤷‍♂️
 
Some people want to have a million dollars. Others want to spend a million dollars. Which one is rich? 🤷‍♂️
Neither

$1M ain't rich

🙂


Regardless of how any individual prioritizes their saving, spending, and living -

I will stand by my assertion that any full time anesthesiologist who can't put aside $100K/year between pre- and post-tax options has a luxury SPENDING problem, not a BILL problem.

(And yeah I consider choosing to live in the bowels of Silicon Valley with a $24K/month mortgage to be a luxury spending problem.)


Whether to put that money into stocks, bonds, gold, crypto, or guns & beans & bunkers is an entirely different question.
 
Neither

$1M ain't rich

🙂


Regardless of how any individual prioritizes their saving, spending, and living -

I will stand by my assertion that any full time anesthesiologist who can't put aside $100K/year between pre- and post-tax options has a luxury SPENDING problem, not a BILL problem.

(And yeah I consider choosing to live in the bowels of Silicon Valley with a $24K/month mortgage to be a luxury spending problem.)


Whether to put that money into stocks, bonds, gold, crypto, or guns & beans & bunkers is an entirely different question.

Family member in gas. They have to contribute to 401a. I saw there numbers they contirbuted were 70k and they got back little over 50k matching. it goes into another type of account once the limits are hit in the 401a. They took my advice and did the 457b/403 maxed it out and im trying to get them to do the roth too. Even if they spend there entire paycheck which they dont they are doing a pretty solid job.

If there are people out there that aren't even getting 100k saved which includes their own retirement contributions and work matches i believe your giving up free money by not putting in at least some on your end.

Goal for those that can do this is to get compound interest going on your side. 10-15 years doing this your returns from the investements could be 70-80% of your gross salary.
 
Neither

$1M ain't rich

🙂


Regardless of how any individual prioritizes their saving, spending, and living -

I will stand by my assertion that any full time anesthesiologist who can't put aside $100K/year between pre- and post-tax options has a luxury SPENDING problem, not a BILL problem.

(And yeah I consider choosing to live in the bowels of Silicon Valley with a $24K/month mortgage to be a luxury spending problem.)


Whether to put that money into stocks, bonds, gold, crypto, or guns & beans & bunkers is an entirely different question.
My household spent 280k pre-tax total this year. We don’t have a mortgage but I have 2 kids pre teens. I thought that was pretty good for not really restricting any spending and just living naturally doing what we want
 
My household spent 280k pre-tax total this year. We don’t have a mortgage but I have 2 kids pre teens. I thought that was pretty good for not really restricting any spending and just living naturally doing what we want

I am guessing you are 10+ years an attending and likely grew into this spending over the year so its a great place to be. Some are spending this in year 1 and dont want a long career. i hope to spend like this in 2030.
 
I am guessing you are 10+ years an attending and likely grew into this spending over the year so its a great place to be. Some are spending this in year 1 and dont want a long career. i hope to spend like this in 2030.
Yes 12 years out and I feel like I spend a ton of money
 
Neither

$1M ain't rich

🙂
Depends on how old you are. 22 year old with 1M liquid is rich in my opinion. That much will be 20-40 million upon retirement.
If you are 55, nah dat aint rich.
 
Depends on how old you are. 22 year old with 1M liquid is rich in my opinion. That much will be 20-40 million upon retirement.
If you are 55, nah dat aint rich.

Money doubles every 10 years if u r getting 7% real. That 1m is 16m at 62. Do u have them retiring late 60s?
 
Yes 12 years out and I feel like I spend a ton of money
My household spent 280k pre-tax total this year. We don’t have a mortgage but I have 2 kids pre teens. I thought that was pretty good for not really restricting any spending and just living naturally doing what we want
I am in the same exact spending boat. I tracked it and hit exactly this.
 
My neuro surgeon friend making 1.5 million can barely save $2000 a month. A wife and 3 kids. Wife blowing 10k on handbags.

I think 90% of regular docs will have a hard time saving more than 24k pretax retirement (some get Jo retirement matching ) plus another 75k savings to reinvest in back door Roth and taxable accounts each year.
That is depressing.
 
There will be years where 20-30% on an index fund is reality.
And there will be years when it's -7%

That is also reality.

If you're unlucky, it might be 0% or thereabouts for a decade or more. That was reality for Japan for about 30 years between 1990 and 2020.
 
And there will be years when it's -7%

That is also reality.

If you're unlucky, it might be 0% or thereabouts for a decade or more. That was reality for Japan for about 30 years between 1990 and 2020.
GEmini Ai"

Over the last 20 years (ending late 2025/early 2026), the
SPDR S&P 500 ETF (SPY) (tracking the S&P 500) has delivered substantial growth, with an average annual return around 11% to 12%, and total returns exceeding 700%, showing significant wealth accumulation despite market volatility, with figures varying slightly based on exact start/end dates and whether dividends are included. For instance, one source showed an 11.1% average annual return over 20 years for the S&P 500 index
 
And there will be years when it's -7%

That is also reality.

If you're unlucky, it might be 0% or thereabouts for a decade or more. That was reality for Japan for about 30 years between 1990 and 2020.
Pretty much 95-% of anesthesiologists outside of messy divorces or child custody fights, drug abuse, spending recklessly who finished between 2010-2020 is sitting pretty with both stocks and housing equity.
 
GEmini Ai"

Over the last 20 years (ending late 2025/early 2026), the
SPDR S&P 500 ETF (SPY) (tracking the S&P 500) has delivered substantial growth, with an average annual return around 11% to 12%, and total returns exceeding 700%, showing significant wealth accumulation despite market volatility, with figures varying slightly based on exact start/end dates and whether dividends are included. For instance, one source showed an 11.1% average annual return over 20 years for the S&P 500 index
They need to factor in those who purchase homes 2005/2007 as their first homes. They got crushed in the Housing crash. Took 15 plus years for home prices to return to peak 2005-2007 levels.

Obviously 95-% of those home owners bailed way before that time.
 
GEmini Ai"

Over the last 20 years (ending late 2025/early 2026), the
SPDR S&P 500 ETF (SPY) (tracking the S&P 500) has delivered substantial growth, with an average annual return around 11% to 12%, and total returns exceeding 700%, showing significant wealth accumulation despite market volatility, with figures varying slightly based on exact start/end dates and whether dividends are included. For instance, one source showed an 11.1% average annual return over 20 years for the S&P 500 index
The stock market is not an actuarial table.
 
GEmini Ai"

Over the last 20 years (ending late 2025/early 2026), the
SPDR S&P 500 ETF (SPY) (tracking the S&P 500) has delivered substantial growth, with an average annual return around 11% to 12%, and total returns exceeding 700%, showing significant wealth accumulation despite market volatility, with figures varying slightly based on exact start/end dates and whether dividends are included. For instance, one source showed an 11.1% average annual return over 20 years for the S&P 500 index
And this is exactly my point, which seems to have flown right by.

You're focused on the historic annual return, and for some reason wanted to point out the odd 20-30% return.

The nice thing about the last 15+ years of uninterrupted bull market is that everyone made money.

The unfortunate thing is that half of all doctors in their middle working years from age 30-60, including apparently most of this forum, have never lived through a real downturn of any kind, and are seemingly unaware or at least unconcerned that LONG periods of ZERO growth have actually happened in modern history to industrialized nations. That is a genuine risk.

So we've got a mix of people here who obsess over 11% average returns and salivate over 20-30% returns as if they're inevitable and some kind of birthright, with people who think it's impossible to save $100K out of a $500-700K income so the only answer is "balls out" high risk investments to get rich quick, stock pickers who think they know something the market doesn't, people who are think this tech/AI bubble means robot butlers are around the corner and that an EV company that can't sell any ****ing EVs isnt really an EV company. And then there are the crypto doomers.

It's absolute insanity.

And the fact that you used an AI chat bot to formulate your reply to me is the absolute icing on the cake. 🙂

My opinion, worth what you paid for it. 🙂
 
I am in the same exact spending boat. I tracked it and hit exactly this.

But you grew into this spending over the years? My guess is you are 10 years + as an attending. The other poster likely has a paid off house if i read it correctly so the 280k is mostly luxury.

Are there milestones you hit before you said to yourself its ok to be spending this much even though i dont need to? Example minimum 5m NW and continue to work full time and maybe have another doc or high income spouse as well? This just adds context to where you have to get to first before being able to spend like this.
 
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Yes 12 years out and I feel like I spend a ton of money

Makes sense. Did you have to reach certain milestones before you were comfortable spending this like. Example: near 5m NW or again are you in a special scnenerio where you have 2 docs and possibly 2 specialist household? I only ask because then you are in another league altogether vs a single gas doc making the market 500-600 range.
 
The stock market is not an actuarial table.
When I use estimates for retirement my number is 4% after inflation or a 7% total return. That is for a diversified portfolio of USA, International, Bonds and Cash/CDs/Treasury. I still remember the crashes of 2000, 2008 and much milder 2022.

The S&P 500 experienced a significant decline in 2022, ending the year with a total return of -18.11% (including dividends) and a price return of -19.44%. This was the index's worst performance since 2008
 
The S&P 500 stock market index, a key measure of the U.S. market, delivered a negative annualized total return of -0.95% from 2000 to 2009, a period often referred to as the "Lost Decade".

Component Returns (2000-2009)
The approximate average annualized returns for the underlying asset classes were:
  • US Stocks (S&P 500): Approximately -0.95% to -1% annually, with some sources citing an even lower average loss of 3.4% per year.
  • International Developed Stocks (MSCI EAFE): These stocks generally outperformed US stocks during this decade, with some sources indicating a slightly positive annualized return, possibly around 0.48% or higher.
  • Bonds (US Aggregate Bonds/High-Grade Bonds): Bonds were the clear winners, providing diversification and strong returns. High-grade US bonds returned approximately 6.3% compound annual growth rate for the decade.
 
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But you grew into this spending over the years? My guess is you are 10 years + as an attending. The other poster likely has a paid off house if i read it correctly so the 280k is mostly luxury.

Are there milestones you hit before you said to yourself its ok to be spending this much even though i dont need to? Example minimum 5m NW and continue to work full time and maybe have another doc or high income spouse as well? This just adds context to where you have to get to first before being able to spend like this.
You're correct. I am 10 years out and hit all the financial goals. I splurge on business class, take 6 vacays a year, eat whatever I want. I can't actually spend anymore because there is nothing else I want. I did grow into this.
 
Makes sense. Did you have to reach certain milestones before you were comfortable spending this like. Example: near 5m NW or again are you in a special scnenerio where you have 2 docs and possibly 2 specialist household? I only ask because then you are in another league altogether vs a single gas doc making the market 500-600 range.
Just to clarify. I’m saying I spend 280k pre tax for a family of 4. That’s like 170k after tax or maybe 15k per month post tax. So if I made 500k I would ave 220k every year. The discussion was it’s hard to save 100k annually. My point is I can save double that and still spend what I consider to be a lot.
We have no other income but mine.

At this time of year, I just take a look at what I made and what I saved. The difference of course tells me how much I spent. I like to keep an eye on this as i look towards retirement and think how much do I need to just float by ? It’s hard to say with kids. But if I didn’t have to worry about saving, I could probably work 2-3 days per week and meet my needs for the 280k even with the family.
 
When I use estimates for retirement my number is 4% after inflation or a 7% total return. That is for a diversified portfolio of USA, International, Bonds and Cash/CDs/Treasury. I still remember the crashes of 2000, 2008 and much milder 2022.

The S&P 500 experienced a significant decline in 2022, ending the year with a total return of -18.11% (including dividends) and a price return of -19.44%. This was the index's worst performance since 2008
The key number to me is how long does it take for the peak to return

2000 It took to around 2013 peak sp500 and nasdaq level. That’s 13 years! It sorta of got close in late 2007 but tanked end of 2008.
 
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My household spent 280k pre-tax total this year. We don’t have a mortgage but I have 2 kids pre teens. I thought that was pretty good for not really restricting any spending and just living naturally doing what we want
We're at ~200k of actual (post tax) spend with with 2 elementary aged kids in MCOL area and a mortgage. 4 domestic vacations a year and normal cars. The wife isn't into designer clothes and bags. Kids do rec level sports. People spend like most Americans eat - large quantities of crap.
 
We're at ~200k of actual (post tax) spend with with 2 elementary aged kids in MCOL area and a mortgage. 4 domestic vacations a year and normal cars. The wife isn't into designer clothes and bags. Kids do rec level sports. People spend like most Americans eat - large quantities of crap.
If you include the mortgage that adds another 30k to the 200k

My mortgage is $4500/mo (taxes insurance principal and interest) so that’s over 50k a year plus hoa lawn pool whatever upkeep adds another 10-15k. Depending on normal household maintenance. I just dropped 23k on two 5 ton hvac Carrier mid tier 18 seer last month. And I heard that was an excellent price considering it’s around 15k-17k each from more reputable guys lol. Gotta get this dude to register it for 10 year warranty.

Life is expensive.
 
In terms of saving, I did some research with bots. Found that if you have both W2 401k (not 403b) and 1099, you can have two 401k plans with separate limits of 70K. Basically you have two employers, hospital and yourself. One 401k for each employer.


For example 400K W2, 100k 1099
401k one (W2): 23500 (pre tax or Roth) + employer pre tax match
401K two (1099):46500 ((pretax + after-tax)/ total after-tax). This 401K should be mega door 401k with in plan conversion.
Basically you can have a total contribution of: 23500+ match + 46500. Remember you can only have one employee contribution. Roth components can be up to 70K (23500 employee + 46500 after tax).

403b does not work because IRS treat the participant of 403b plan as the owner of plan which leads to the aggregates. One limit only. Why? Sounds socialism, lol.

Are your guys/gals doing this? 70K Roth is very attractive. Even 46500 still very good. Am I missing something?
 
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