OP somehow typed this whole post out and still pressed Submit

28 years old married to my wife who is 27 years old. We own our home in Arizona. My wife currently works but our baby is due at the end of this month and at that time will stop working.

Income:

I work in sales so my income is variable but my base salary is $102k I've grossed $133k since January and and $167k YOY. My wife works 20 hours/week and makes about $20/hour.

Bills/month:

Mortgage: 2964.59

Pool guy: 115

Bug guy: 40

Internet: 55

Electric (summer): 300

Gas: 300

Groceries: 600

Water (summer): 150

Baby things: variable on the month

Dog expenses: variable on the month

Medical: I budget () $100/month but could be more

Cell phone plan and loan: 111

Online subscriptions: 116

Personal fun money for the both of us (eating out, shopping, entertainment, wants): ~$900 each

$401k: 5%

Save: What ever is left over

Some added context. We just bought our house in May 2022 with a 5.125% interest rate. Only other debt is the interest free phone.

The bills above are every month, but it seems like some big expense I'm not accounting for always comes up eating up what ever I had planned to save. Also with my wife going to stop working soon, and if there is a month I don't get commission we're in the hole about $700 which I'll need to pull from savings.

Do I have a need to be concerned based on the numbers above? Or am I freaking out because of the variable nature of my job? Another reason I'm looking for input is I'm looking to see if it makes sense to switch jobs with the hopes for more income?

Any input is appreciated.

OP responses:

You're probably right $900 each is a lot. I eat out way too much and she loves to shop. Definitely something that can be brought in. It's tough knowing my income is in the mid 6 figures and even at $900 per month per person we don't live an exorbitant lifestyle.

I try my best to budget all expenses but for example, we decide to go to Ikea and bought a new stereo for our car last month. That's a couple hundred bucks right there and of course those are both luxuries that I didn't budget for within the $900 fun money per month. Month before that I didn't plan for some computer software or some new tires. we also had a baby shower. Month before that was a hotel for my cousins wedding. That throws off the whole budget. Yes these are mostly "Fun money" things that are more spontaneous.

Just feels like $900 per month for fun doesn't got very far. That's $30 per day. I understand that some people would love to have that much fun money. I personally don't feel like I live in luxury or anything like that.

Also the wife has no friends

You threw your own baby shower?

Yeah lol we of course had help but my wife wanted to do it herself