there's a ton of information missing here, but my simple way is to not really stop living paycheck to paycheck, but instead hide the money from myself before i can spend it. To me this means high contributions to retirement accounts, auto transfers in to brokerage account, and auto transfers into a separate "large spending" account. That way I'm free to spend guilt free anything left in my checking account.
The automation is really the key for me, move the money before I can spend it. But NYC is also an expensive place to live, and I could easily see 110k not being enough to live there. but maybe someone else has more relevant experience
The automation is really the key for me, move the money before I can spend it. But NYC is also an expensive place to live, and I could easily see 110k not being enough to live there. but maybe someone else has more relevant experience