The Financial Independence Show · Retired at 37: The Quiet Millionaire | Lucy Hinds
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cut child-care spending from $10-12 k per year, lowering her total budget from $50 k to $40 k annually
$10,000-$12,000 child-care cost, $40,000 annual budget vs $50,000 previously
“We can disappear the budget deficit overnight. The NDIS is basically the budget deficit… we’re spending… 50 to 60 billion a year on the NDIS and Australia’s budget deficit is about 60 billion a year”
“You come up with a list of people, how much you want to spend on each person. You have a total budget. If you spend more on somebody than you expected, then that means you have to spend less on somebody else.”
“You can refinance your 30-year term into a 40-year term. That obviously helps with lowering your repayments”
“Annual net spending target… would cap how much spending can grow each year… if you overspend… you can make it up in the next year.”
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