DINK Budget Guide: Dual Income, No Kids Financial Planning

Two incomes, no kids = maximum financial opportunity. Here's how to make the most of it.

The DINK Advantage

• No childcare costs ($15k+/year saved)
• Smaller living space needed
• More flexibility in careers
• Higher savings rate potential

Recommended Budget Split

• Housing: 25-30% (can afford nicer place)
• Savings/Investing: 30-40% (this is your advantage)
• Lifestyle: 20-25% (travel, dining, hobbies)
• Everything else: 15-20%

DINK Financial Goals

1. Max out retirement accounts (401k, IRA)
2. Build 6-12 month emergency fund
3. Pay off all high-interest debt
4. Save for early retirement if desired
5. Travel and experience life NOW

Using Partner Mode

Track your combined wealth building:

• See total household savings rate
• Track investment contributions
• Monitor lifestyle spending
• Stay aligned on goals