Question

What is lifestyle creep, and how do DINK couples seek to avoid it?

Answer

Lifestyle creep refers to the gradual increase in spending that often accompanies rising income — more travel, premium subscriptions, dining out, and housing upgrades that collectively absorb surplus earnings before they reach investment accounts. Automating savings and investment contributions, establishing clear financial goals as a couple, and conducting regular reviews of spending relative to net worth progress are practical steps toward keeping lifestyle creep in check.

About Mercer Advisors

We exist so you don’t have to worry about money. For more than 40 years, we’ve taken the sophisticated, time-tested approach that many ultra-high net worth individuals use to help manage their financial lives and made it accessible to more families.

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