NecessaryItch1452 t1_jaeia3l wrote on February 28, 2023 at 9:22 PM

I would base it on your base income so you aren’t in a world of hurt if for some reason the bonus doesn’t go thru or severely reduces in the future. Unless you build up enough of a cash emergency fund that it’s not an issue.

With that type of income your overall savings seems to be light though. I would start saving a higher percentage of your overall income…like maybe the entire bonus.

Watty0207 t1_jaeinhw wrote on February 28, 2023 at 9:25 PM

Definitely agree - we did a lot of work on this house that we're currently in so some went to that, and we're 32 years old so haven't had a lot of time to really accumulate yet. My income before these three years was much closer to just the base income.