Actually, this was post was auto-generated by WordPress AI to fill out the website lol… So I guess we should try and answer it. DINKs definitely prepare differently than most other couples due to their unique situation – the No Kids part. While a blessing in some ways, we weren’t DINKs by choice. But we have accepted and made the most out of the situation and try to live our best lives based on these choices.

Being Dual Income No Kids makes saving money significantly easier than other adults. So if you are living paycheck to paycheck with dual income, you are doing something wrong.

We are very fortunate to both be in stable industries – me being in software while she is in healthcare. My salary is primarily used for our living expenses while her salary mostly goes into savings and investing. Our biggest vice is we both love going on vacations and usually take around 2 major trips a year and a few small ones so we have budgeted a percentage of our paychecks to go into a travel account to feed our wanderlust. Budgeting is key here… you have to know how much is going in and how much is going out.

As we have grown older, our needs have simplified and we have learned to save even more money. The luster of eating out and the shiny objects we desire seem less than before and we allocate more and more of our money to our savings and investments. Our financial advisor was quite surprised when he asked us about our monthly spends… we really do not spend much money unless necessary. Our grocery spend each week is around $100 to $150. And we rarely eat out – once maybe twice but rarely. This has led to our current situation of a decent amount of savings and a possibility to retire sooner than later.

Of course, if we had kids things would be totally different. As CNN points out, raising a child nowadays requires $300,000 from birth through high school… we would have definitely have been more ambitious with our careers and have tried to get into positions where we would have more money for expenses for the children. But being DINKs, and our priorities being ourselves, the desire for more experiences and simpler lives is more important.

雙收入無子女夫婦如何做好不同的準備

其他夫妻則因為自身特殊情況──沒有孩子──而選擇成為丁克家庭。雖然從某些方面來說這是一種福氣，但我們並非自願成為丁克家庭。但我們已經接受了這種情況，並充分利用了它，並努力基於這些選擇過上最好的生活。

作為一個雙收入、沒有孩子的丁克家庭，存錢比其他成年人容易得多。所以，如果你雙收入仍然不夠，你需要看看為什麼.

我們很幸運，都從事穩定的行業——我從事軟體行業，她從事醫療保健行業。我的薪水主要用於生活開支，而她的薪水主要用於儲蓄和投資。我們最大的缺點是我們都喜歡度假，通常每年大約進行兩次大型旅行和幾次小型旅行，所以我們會從工資中撥出一定比例的資金存入旅行帳戶，以滿足我們的旅行慾望。預算是關鍵…你必須知道收入和支出。

隨著年齡的增長，我們的需求也變得簡單，也學會如何存錢。外出用餐和那些我們渴望的閃亮物品似乎比以前少了，我們把越來越多的錢用於儲蓄和投資。當我們的理財顧問問起我們每個月的支出時，他非常驚訝……除非必要，否則我們真的很少花錢。我們每週的食品雜貨支出大約在100到150美元之間。而且我們很少外食——一次，也許兩次，但很少。這使得我們現在能夠存下更多錢，並且有可能提早退休。

當然，如果我們有孩子，情況就完全不同了。正如CNN指出的那樣，如今養育一個孩子從出生到高中需要30萬美元……我們肯定會對事業更有野心，努力讓自己擁有更多錢來支付孩子的開銷。但身為丁克族，我們優先考慮的是自己，對更多體驗和更簡單生活的渴望更為重要。