Quote:
Originally Posted by cicy33
I am sure that I am just seeing the ones that are set financially, but I have been coming to this site awhile now and I post here and there. I won't say I post as much as some but I post more than others. However, I feel sort of like the poor cousin. We do not have anywhere nears the EF most people on this board seem to have, nor do we have the available cash some seem to have. Is it just me or are there many, many more on here that are getting by but not getting ahead as quickly as I would like. We are not rich by any means and by that I mean we together average about $50k a year, our house is not paid for, we have a couple of small loans and the average regular bills are a killer sometimes! I am aware I could cut a couple of areas to have more cash but then I would be totally miserable!
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My guess is that you are seeing folks here who are lucky enough to have the financial means with which to create those large emergency funds.
I consider my wife and I to be frugal, only when compared to those around me. I sometimes pat myself on the back too much I think when I look at what we have been able to save an invest. Well, if you have a household income of six figures or more a year, you better be saving some money, lol.
Conversely, if you have just a single houselhold income, not two, at $50K per year, we are talking about a completely different ballgame.
I would imagine that you are probably doing a much better job of being frugal than my wife and I are, and do a much better job of stretching your money in order to still be able to save.
In summary, I don't think it is fair to try and compare your EF funds or investment funds of other posters without knowing the factors such as incomes, expenses, inheritences, etc. You truly aren't comparing apples to apples.