I have about 3 years out of residency , every doc i know, and all the online financial advice i read is centered on not becoming "the joneses" . You hear about these mythical "joneses" everywhere, spending money , big houses, living the life, lavish parties cars etcc.. I always swore i would not become one of them , but now than i am looking at my fianaces i am starting to wonder if i am one these "jones's" . so heres a quick rundown of my financial hx, and budget i am currently 32, have a son from a previous relationship, was able to pay back my debt first year, 120 med loans, car, private loans etc.... second year brought a boat, and moved to a rented house on the lake, currently engaged to be married, monthly budget average gross income 40 k /month 13k immediately goes to tax account (no state income tax) 10 k a month living budget 3.4k rent (live in a nice place on the water, boat doc, >3K sq feet ) 2k child support 600 daycare 460 boat payment (40 k loan) 446disability (15K policy) 360 health insurance 960 housing expenses, (140 cable, 300 lights, 140 pool maitenance, 120 water, 40 propane, 100 car insurance , 120 cell phone ) 1-2 K entrainment/food gas and miscellanous ( grocieries, alot of eating out, movies, fishing trips with my son etc ) 17 K savings/retirement 4K Sep ira (add another 4 at end of year to get up to max) 550 HSA family 13 K into savings account/taxable account SO im not doing to bad, saved u 240 K in cash (60 k for 6 month emergency fund) ) with another 140 in retirement so far, in april will be ending my 2 year lease, and now the future lady wants to buy a 1M dollar dream house on the water.. by that time should have another 100k in cash for a total of 340 , i look back at my days of college living 20 K a year (and feeling rich) and i think [email protected]#$N where did that guy go ?? so what do you think, am i a "mr jones"? would a 1 million dollar house seal the deal of jones esq overspending any other "jones's " out there? what is your budget like ? do you plan on becoming a "jones" before you retire?