Fair enough. If we're talking about discretionary luxury spending, then you can take on a bit more risk to get to your desired income with a lower FU number, as long as you're willing to curtail spending if things go bad.
That said, it's a lot easier to increase spending than to decrease it, so I'd want that risk to be small, or to have a desirable fallback for added income.
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Fair enough. If we're talking about discretionary luxury spending, then you can take on a bit more risk to get to your desired income with a lower FU number, as long as you're willing to curtail spending if things go bad.
That said, it's a lot easier to increase spending than to decrease it, so I'd want that risk to be small, or to have a desirable fallback for added income.