78K for two working adults + 1 baby, HCOL ... gulp
Mortage & Rent - 43% (rent)
Shopping - 18% (amazon, home furnishings, etc)
Food & Dining - 17% (costco, groceries, restaurants)
Other - 7% (travel, personal care, medical, etc)
Auto & Transport - 6% (insurance, gas, ebike)
Bills & Utilities - 6% (electric, internet, gas, etc)
Kids - 3% (diapers, formula, baby clothes, baby furniture)
There was quite a bit of over-spending this year, on top of some large one-time-purchases (ebike for commuting, furniture coinciding with move, smart home upgrades, desktop pc (PUBG yo!). We've been opting for convenience over being more frugal due to adjusting to new jobs, new location, new baby etc (i know i know, excuses excuses). All purchases (large and small) go through the slickdeals/camelcamelcamel smell test, which at least makes me feel slightly better about all this ... ? Next year child care will also start ($1700/mo), so I am aiming to keep the yearly spend roughly the same or even a bit lower.
On top of the above, we still managed to save close to what we budgeted - on track to retire in 2025 with a ~40k annual spend.
We are very lucky to have jobs/careers that can support such a high spend. At ~80K, we can basically buy anything we'd like, travel anywhere (offset due to CC bonuses), eat anything we want, live in a fantastic location etc. I don't think we could spend more if wanted to, so I suppose that is a plus - we've reached our organic spending maximum!
Now to get more serious and neutralize the inefficiencies!