Fights over discretionary income Reddit community, tell me where I’m wrong. My wife and I have been married for 10 yrs+. Till last year I was the single earner. I have managed the finances well, I would like to think so. I paid for her masters, I did my MBA. I paid off all my loans – car and student (200k + USD). We brought a 1M home (10% downpayment). All my money. 0 credit ca…

How do y’all cope with cutting discretionary spendin? I live a frugal lifestyle as is, mostly because I make like $38k in a HCOL area and am financially saving nothing. I very briefly talked to a financial advisor and he said if I wanted to start saving, I need to cut a bunch of discretionary spending. My current discretionary spending is as follows: Subscriptions: $31/month – netflix, peacock, spo…