okay--follow-up question!
I see a lot of mentions about how stressful it is to live month to month and worry about bills and that having more money would make that go away.
At what point do you think that is likely to go away?
I ask because in my own life, I have known many families (not all) who lived paycheck to paycheck, but as raises and promotions came, with-in a few months they had upgraded their standard of living (maybe buying a bigger house, or one in a nicer neighborhood, buying a car, signing the kids up for more expensive activities, enrolling the kids in private school, etc)., and are right back to living paycheck to paycheck.
It seems to me, that often, once you pass a certain, not all that high threshold, most people are either good at living within their means, end up pushing it to the edge, or overspend, regardless of what those means are.