| There is always more than one way to solve a problem OP. Seems like you need to figure out how you can set that bag of bricks down and breathe again. I have faith in you, do what you can. |
What are you talking about? My kids went to public schools 16 years ago, but much before that they were doing all kinds of classes - swim, singing, painting, gymnastics, spanish, crafts, baby yoga - from the time they were 3. On top of that, they were also doing the regular running around, playing with friends, learning colors, shapes, counting, alphabets and other montessori type stuff. |
NP: People are going to have individual experiences of career, finances, and the level of risk leaving the rat race may have for them personally. For many people, leaving a career at the top, having saved a ton and invested well in the 410K, insurance, etc., having a supportive spouse who makes enough, is not risky at at all. If you are lucky enough to get to that point, the question is: what do you want to do for yourself and your family. Only you can answer that in a way that is true to you. At this level, it is a privilege to have that choice. Some people will say, I want to keep earning money even though we as a family already have more than enough. Others will say at this point, time is more important than more, more, more of the material stuff. Still others will say, it's not about the money, but my personal fulfillment/the importance of the work I do/the benefit to society from my unique talents, which overrides everything else. |
There are so many narrowing factors here. Saved a ton? What if you paid off student loans and tried to buy a house? For most families there wasn't much left over after that. Invested well in 401k? What does that even mean? Most funds are just generic S&P or similar indexes to follow. The supportive spouse who makes enough is the key -- you need a breadwinner, and honestly most women who have that never did the actual working parent juggle -- they tapped out early. |
You are out of touch. There are no modest homes close to most people's jobs. Starting at 40s for kids, statistically that means fewer people even get to have kids as its a huge gamble, and on average kids get to have parents for a much shorter part of their lives and likely won't get any grandparent help with childcare. You real secret was making more than average and buying when houses were cheap |
Not to mention, this assumes that women start having kids at 30+, or more likely 35+ (how are you going to leave your career "at the top" otherwise?) Which may not be for the best if one of your life goals is to have kids. I had mine at 26 and 30 and, while I didn't have loans to pay off, I did get a PhD, so it wasn't until 29 that I started making $100k. I'm currently 40 and making $250k. There's no way I'm giving that up, even though there are days I'm just over work (though I think some of that is just being mid career.) Husband and I have a great relationship with my kids, don't think it would have been better if I stayed at home (of course, we lucked out to not have medical issues etc.) |
I’m saying that the public schools where I live and grew up (Baltimore County) didn’t have school sponsored sports until MS. Before then, you did rec sports. The same is true now. Sure, you could do activities before then but they weren’t school sponsored. My son did Crab Kickers or something like that which was soccer for 4-5 yr old, Gymboree, etc but those were private companies. The kids aren’t here in public schools do mostly rec sports unless they are UMC and then they do travel sports and have private lessons on the side. A total waste of money but if you have it…. |
My home is modest and it is close to my job. You need to move away from DC and you’ll find older homes near where you work. I live in eastern Baltimore County in a small 3 bedroom brick home with smallish front and back yards in a neighborhood built in the 50s. I bought it in 2018 for $235k. I’m a single parent and a teacher. |
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i don’t know how we did it, as two working parents with young kids pre covid, working out of the home, multiple drop offs etc. somehow we got through. covid brought wfh, but also a depressed mood all around. my kids hated online school, and suffered for it emotionally and academically. now i work 3 days from home, my kids are in middle and hs, and honestly we can breathe. my husband works from from home.
I think some measure of wfh, or one parent not working if you can swing it, is ideal. also closer school and work commutes are key. also, it gets better as the kids get older. my older one can drive, though we only have one car and generally drop them both at school still. |
There are indeed cheaper homes near work away from the D.C. area. You are the out of touch one. |
Right! I’m a millennial and this is the first time in my entire working life that I have zero flexibility. And at the same time, dh also lost all flexibility. Like we can’t even telework when very contagious. We aren’t even allowed to work telework while on business trips. Dh and I likely wouldn’t have had a second or third child if we knew our lives would be this miserable. We had pleasant lives just 1.5 years ago and had no issue juggling. Something has to give and it feels like schools are our biggest pain points. It’s just insane to me how they get to cancel for the threat of snow. Or for every election and random holiday. More consistent schooling is needed. And 8 hours a day of school. Kids are consistently falling behind while also having no time for recess or lunch. |
Oh I agree, teachers are a great job if you are interested in living in the sticks where housing is cheaper. But teachers starting out make around $60k -- how do you swing a home mortgage that is 4x your salary and still have money for things like paying for car, medical, etc? PITI: $1800 Take home after taxes: $3900 EVERYTHING ELSE has to fit into $2000 discretionary (car payments, fuel, groceries, CHILDCARE) Are you saving anything for emergencies, let alone college? And your salary is capped at $72k unless you achieve a masters or National Ceritification which costs money and time (things a single parent you don't have). Do you get child support or government subsidies? |
Than you have crap jobs. Sure if you are a teleworking job and know you can build a career never going into the office, you will have the cheaper pay that matches those cheaper houses (which often leaves you work off because of the magic of percentages). |
My kids learn sports properly with structured lessons and dedicated practice time. It’s not travel sports but it’s definitely more serious than after schools options. They are progressing, engaged and happy. I think it’s a great experience to have. |
Senior partners at my firm (1mm+) get fired regularly, or whenever the CEO throws a tantrum over shitty quarterly stock performance. I actually feel safer quitting if my partner has a boring 250k job that flies under the radar. |