What can I do on this HHI?

[Anonymous]

Anonymous wrote:

Anonymous wrote:Similar HHI to you, including one fed who covers most of our insurance.

We both max 401k (and have for at least 8 years)
Contribute 1500/month to college savings (total for 2 kids)
We take a few driving vacations to visit relatives, usually one flying vacation, and usually one beach rental (driving) vacation yearly. Sometimes we do a weekend rental vacation and/or a few days away at an inexpensive hotel a few hours away using points.
Public school, but pay for aftercare/after school babysitter and summer camps (not overnight)
We eat out about 4-5x/month with the kids and usually have a date night once/month. Parents both buy lunch at work regularly.
Drive our paid-off car, but one parent takes metro to work.

We're comfortable and do not really worry about money thanks to a ~3k mortgage. There is no way we could afford private school. We would have to stop saving for college and retirement.

OP - do you have a house cleaner? I like the vacations where you are saving by driving. It’s been hard with the toddler but he’s better at driving long distances now.

We do have a cleaner every 2 weeks. We started doing a longer (10 hour) driving vacation during the pandemic and keep it now for cost purposes. Plus with kids it's nice to bring all the gear and have a car without paying for a rental/dealing with checking car seats. We make it work by driving for 3-4 hours on Friday night and staying in a hotel with points. In the middle of the US you can usually do that for very few points, and then you don't have to drive the full length in one day and arrive to your vacation destination by mid-day.

[Anonymous]

330 is nothing. Try to make more money.