Budgeting advice
My roomie of 6 years moved and I’m in my dream apartment for 2025$ a month. I recently had a short term sublet and it was so tense and stressful.
I could move out to a one bedroom … but I put a ton of work in the place and everything I see on the market for 1500$ are sad grey tenements or cute but small with wall ac and no washer dryer
My take home is 4500$ after my pension contribution and HSA. My side hustle brings is around 1000 a month. I am paying debt down aggressively at about 1000$ a month (student loan, car payment, credit card).
I don’t dream of owning a home.. I’d love to max out my Roth on top of my pension contributions as well as a little in an individual brokerage. And travel more. I
Basically is it irresponsible to stay in a place that’s 35%- 44% of my take home?
I fell like it is? Like I’m obligated to take the cheapest option available?
Are there others who value their rental space that they make these trade offs? Even if just for a year or two?
Or perhaps others who are able to find a way to have high rent, invest and travel?