I mean you have enough savings and buffer so I believe you can be relaxed. Only thing to consider is whether you need a GA when having a car. Or whether a gym membership is needed if you already have a CrossFit membership.
Car leases are retarded.
Crossfit on top of gym? and hella expensive too.
Health insurance cheapest possible?
Car seems super expensive as well… AND you have a GA?? Transportation seems insane to me.
having two cars + a GA seems overkill, otherwise looks good
Taxes?
Are you sure that the Abo for the local public transport is not sufficient, rathen than the GA, given you have two cars already? That would probably be 50 per month? plus maybe add the demitarif if you think you are using trains with some frequency?
You have a 34% savings rate (including your buffer, excluding taxes). That’s really good.
1500 for rent sounds, uh, optimistic.
Assuming your gf is splitting the rent. That’s 3K for rent.
Which is common for Switzerland but depends on what exactly you’re getting. Meaning, could you downsize and save more?
Do you pay your taxes with the 13 salary?? Or are you under B permit?
Looks good. You spend much on sports and food, probably healthy.
Drop the car 😉
Where are the taxes?
My advice: make more money
You’ve got a ga, why waste 700 on a car?
Otherwise: looks awesome. 6k income and about 3k disposable (buffer, saving, wasted on car)?
Can’t give much advise. For switzerland, this is definitely on the wealthy side for many people.
Not sure if you need booth CrossFit and Gym membership. Or two cars + GA.
Does your leasing contract contain maintenance?75 bucks for expenses on your car is not a lot.
Shuffle a lot of your savings to 3a if you’re in a high-tax canton. At your income that can make a really big difference in foregoing concern about your long-term savings/retirement overall.
3a is a decent bit less attractive as your savings increase in absolute size + marginal tax rate doesn’t climb so hard (canton/commune dependent)
You want advice? Spend all your energy on making a more respectable salary and stop wasting your time making such charts
17 comments
I mean you have enough savings and buffer so I believe you can be relaxed. Only thing to consider is whether you need a GA when having a car. Or whether a gym membership is needed if you already have a CrossFit membership.
Car leases are retarded.
Crossfit on top of gym? and hella expensive too.
Health insurance cheapest possible?
Car seems super expensive as well… AND you have a GA?? Transportation seems insane to me.
having two cars + a GA seems overkill, otherwise looks good
Taxes?
Are you sure that the Abo for the local public transport is not sufficient, rathen than the GA, given you have two cars already? That would probably be 50 per month? plus maybe add the demitarif if you think you are using trains with some frequency?
You have a 34% savings rate (including your buffer, excluding taxes). That’s really good.
1500 for rent sounds, uh, optimistic.
Assuming your gf is splitting the rent. That’s 3K for rent.
Which is common for Switzerland but depends on what exactly you’re getting. Meaning, could you downsize and save more?
Do you pay your taxes with the 13 salary?? Or are you under B permit?
Looks good. You spend much on sports and food, probably healthy.
Drop the car 😉
Where are the taxes?
My advice: make more money
You’ve got a ga, why waste 700 on a car?
Otherwise: looks awesome. 6k income and about 3k disposable (buffer, saving, wasted on car)?
Can’t give much advise. For switzerland, this is definitely on the wealthy side for many people.
Not sure if you need booth CrossFit and Gym membership. Or two cars + GA.
Does your leasing contract contain maintenance?75 bucks for expenses on your car is not a lot.
Shuffle a lot of your savings to 3a if you’re in a high-tax canton. At your income that can make a really big difference in foregoing concern about your long-term savings/retirement overall.
3a is a decent bit less attractive as your savings increase in absolute size + marginal tax rate doesn’t climb so hard (canton/commune dependent)
You want advice? Spend all your energy on making a more respectable salary and stop wasting your time making such charts