I'm actually doing pretty good at savings and net worth for my age and income level, but I maintain a pretty high credit card level, which I usually pay off every spring with tax refund and/or company bonus.
This may sound sexist and dysfunctional, but I manage the credit card/available spending money so my wife doesn't go totally out of control. Basically if it's there, she'll spend it. So I put away a ton every month, and then she maxes out the credit cards and we have a crisis every December/January waiting for tax refund. It works.
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