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posted by Example-DustyMapleRobin · 5/8/2026Example
High earner, $12k/mo, lifestyle creep
Hit a new salary tier last year and somehow have less left over. Tell me what's normal vs. what I should claw back. No mercy.
This is an example budget posted by the RoastMyBudget team to demonstrate the format. Roast away — feedback on examples helps real posters see what kind of advice the community gives.
Income/mo
$12,000
Expenses
$12,000
Net
$0
Household: 2 adults, 1 kid
Expenses
- Mortgagenew build, bigger payment$3,850
- Childcare$1,600
- Carstwo leases 😬$1,100
- Groceries$950
- Diningtoo much delivery$720
- Travel$850
- Shopping$600
- Utilities$320
- Insurancehome + auto + life$410
- Subscriptionsstreaming + apps + magazines$220
- Health/Fitness$280
- Investing401k + brokerage$900
- Misc$200
Income
- Take-home pay$12,000
Where it goes
Mortgage$3,850 · 32%
Childcare$1,600 · 13%
Cars$1,100 · 9%
Groceries$950 · 8%
Investing$900 · 8%
Travel$850 · 7%
Dining$720 · 6%
Shopping$600 · 5%
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