Income Breakdown
Base Pay
$7,400
O-3 over 6 yrs
OHA + Utility
$2,500
With dependents
COLA
$600
Germany index
BAS
$316
Subsistence
Estimated Total Monthly Income
Based on active duty status
Burn Rate
Fixed Bills
$500
Internet, phones, car insurance. (Rent paid via auto-deduct)
Living Expenses
$3,100
Groceries, dining out, weekend fun, and everyday spending.
TSP (Maxed)
$2,000
Maxing out $24k/year limit via automatic payroll deduction.
Liquid Wealth
$2,716
Remaining liquid cash for big trips, savings, and MammothCapital.
Income vs Expenses
Cash Income (Post-Housing)
$8,316
Total Allocated
$5,000
Bills ($500)
Living ($3,100)
TSP ($2,000)
Liquid Wealth ($2,716)
Macro Environment & Strategy
Current Rates (Adulting Tools)
- 30-Year Fixed Mortgage ~6.5%
- 15-Year Fixed Mortgage ~5.9%
- Auto Loans ~7.0%
- High-Yield Savings (HYSA) ~4.5%
Wealth Strategy
-
Maxing out TSP ($24k/year) In Progress
- Building 6-month Emergency Fund
- Exploring 529 College Savings for the 4 kids
- Monitoring real estate rates for future PCS/move