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Comment on Ask HN: What do you spend your money on?

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For anyone that gets worried about splurging too much, one way to perhaps assuage yourself about it is the "2X spending rule":

The first tip is what I call “The 2x Rule.” The 2x Rule works like this: Anytime I want to splurge on something, I have to take the same amount of money and invest it as well. So if I wanted to buy a $400 pair of dress shoes, I would also have to buy $400 worth of equities. This makes me re-evaluate how much I really want something because if I am not willing to save 2x for it, then I don’t buy it.

[…]

And you don’t have to invest the money for The 2x Rule to work effectively either. For example, you could donate the other half to a charity and have the same guilt-free effect. Every “extravagant” dollar you spend on yourself could be matched with a “charity” dollar that goes to a worthy cause. Not only does this allow you to help others, but you won’t feel bad when you spoil yourself.

* https://ofdollarsanddata.com/how-to-spend-money/

And if you get a raise, if you're wondering how much of your extra income can you spend without succumbing to "lifestyle creep", about half is a good rule of thumb:

* https://ofdollarsanddata.com/lifestyle-creep/

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