Afford Anything · Tuesday, September 8, 2026
A 42-year-old PA earning $140,000 annually with additional income from locum work is seeking advice on a family gap year. Her financial details include $686,000 in savings across various accounts, a $425,000 home with $95,000 mortgage, and annual expenses of $96,000.
“I'm 42 and I make 140,000 as a PA.”
“It's brought in a lot of extra cash, but it does increase stress for our family because it requires travel.”
“Here is how our 686,000 in savings is split up.”
“We currently spend approximately $96,000 a year, which includes some pretty generous vacations.”