UMC deep in the negative

[Anonymous]

MOVE, dum-dum! You probably would look down your nose at my $500K SFH in Crofton, MD, but guess what? I actually can afford my life, and sleep easy at night with nice savings and my mortgage as my only debt.

[Anonymous]

Its very clear that your ROI on those law degrees was awful! One or both of you need to move to the private sector and pay off those student loans before they destroy your financial future.

[Anonymous]

What I find staggering is that 500K+ worth of education later OP has no idea how to figure out something as simple as net worth.... Talk about a poor return on your investment!!!!

[Anonymous]

Anonymous wrote:Threads like these make it so, so clear how much more important no student debt is than any pressure to get the degree in a high paying field. Unless it's a T1 university, and you're planning to commit at least a decade to the soul-sucking route of whatever profession you're choosing, prioritize a low debt. You will have so.many.more.options in your life.

And if you do end up making a low-UMC salary, you'll actually be able to enjoy it.

I think they should’ve also prioritized paying down debt before the kids and house.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I feel for you op. People act like what until you pay off student loans to have kids. Infertility is real. In my office of women lawyers, every single one of them over 35 is having trouble. We are super close so I know they’ve been trying and the troubles they’ve had. I went to a top 25 law school with partial scholarships and then into government and Dh went into non-profit (no loans for him). We are from the south so we started trying for a child at 26. Infertility. Didn’t see that one coming. Luckily, we didn’t wait until mid to late thirties so we had plenty of time to try everything we could before resorting to IVF. Then I went into private practice to try to pay off my loan faster. Worst mistake of my life. I won’t go into all the horrors of my law firm but if I could do it all over again, I would not have gone into private practice. All your problems are not magically solved if you go into private practice that’s for sure. Good luck.

True, but then you have to live with a lot of debt. You have to pick and choose what you can live with. For most of us, you can't have your cake and eat it too.

I had my first at 35 and second at 38, so it's not like I don't know about waiting to have kids. And I'm not a lawyer.

And I never said you could have it all. It’s just people willy nilly push waiting to have kids and with their kind of debt it may not be so easy.
Even though the DC area doesn’t believe it, fertility is on a finite timeline! She’s getting hounded for having kids and not waiting which is crazy to me.

Plenty of people have kids in modest apartments, condos and town homes. Do you get it?

People don't go to law school to live in modest apartments. Do you get it.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I feel for you op. People act like what until you pay off student loans to have kids. Infertility is real. In my office of women lawyers, every single one of them over 35 is having trouble. We are super close so I know they’ve been trying and the troubles they’ve had. I went to a top 25 law school with partial scholarships and then into government and Dh went into non-profit (no loans for him). We are from the south so we started trying for a child at 26. Infertility. Didn’t see that one coming. Luckily, we didn’t wait until mid to late thirties so we had plenty of time to try everything we could before resorting to IVF. Then I went into private practice to try to pay off my loan faster. Worst mistake of my life. I won’t go into all the horrors of my law firm but if I could do it all over again, I would not have gone into private practice. All your problems are not magically solved if you go into private practice that’s for sure. Good luck.

True, but then you have to live with a lot of debt. You have to pick and choose what you can live with. For most of us, you can't have your cake and eat it too.

I had my first at 35 and second at 38, so it's not like I don't know about waiting to have kids. And I'm not a lawyer.

And I never said you could have it all. It’s just people willy nilly push waiting to have kids and with their kind of debt it may not be so easy.
Even though the DC area doesn’t believe it, fertility is on a finite timeline! She’s getting hounded for having kids and not waiting which is crazy to me.

Plenty of people have kids in modest apartments, condos and town homes. Do you get it?

People don't go to law school to live in modest apartments. Do you get it.

Np. But in this case, they should!

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I feel for you op. People act like what until you pay off student loans to have kids. Infertility is real. In my office of women lawyers, every single one of them over 35 is having trouble. We are super close so I know they’ve been trying and the troubles they’ve had. I went to a top 25 law school with partial scholarships and then into government and Dh went into non-profit (no loans for him). We are from the south so we started trying for a child at 26. Infertility. Didn’t see that one coming. Luckily, we didn’t wait until mid to late thirties so we had plenty of time to try everything we could before resorting to IVF. Then I went into private practice to try to pay off my loan faster. Worst mistake of my life. I won’t go into all the horrors of my law firm but if I could do it all over again, I would not have gone into private practice. All your problems are not magically solved if you go into private practice that’s for sure. Good luck.

True, but then you have to live with a lot of debt. You have to pick and choose what you can live with. For most of us, you can't have your cake and eat it too.

I had my first at 35 and second at 38, so it's not like I don't know about waiting to have kids. And I'm not a lawyer.

And I never said you could have it all. It’s just people willy nilly push waiting to have kids and with their kind of debt it may not be so easy.
Even though the DC area doesn’t believe it, fertility is on a finite timeline! She’s getting hounded for having kids and not waiting which is crazy to me.

Plenty of people have kids in modest apartments, condos and town homes. Do you get it?

People don't go to law school to live in modest apartments. Do you get it.

Np. But in this case, they should!

Then all that sacrifice, had work is all for nothing.

At the end of the day, there has to be some point, no?

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I feel for you op. People act like what until you pay off student loans to have kids. Infertility is real. In my office of women lawyers, every single one of them over 35 is having trouble. We are super close so I know they’ve been trying and the troubles they’ve had. I went to a top 25 law school with partial scholarships and then into government and Dh went into non-profit (no loans for him). We are from the south so we started trying for a child at 26. Infertility. Didn’t see that one coming. Luckily, we didn’t wait until mid to late thirties so we had plenty of time to try everything we could before resorting to IVF. Then I went into private practice to try to pay off my loan faster. Worst mistake of my life. I won’t go into all the horrors of my law firm but if I could do it all over again, I would not have gone into private practice. All your problems are not magically solved if you go into private practice that’s for sure. Good luck.

True, but then you have to live with a lot of debt. You have to pick and choose what you can live with. For most of us, you can't have your cake and eat it too.

I had my first at 35 and second at 38, so it's not like I don't know about waiting to have kids. And I'm not a lawyer.

And I never said you could have it all. It’s just people willy nilly push waiting to have kids and with their kind of debt it may not be so easy.
Even though the DC area doesn’t believe it, fertility is on a finite timeline! She’s getting hounded for having kids and not waiting which is crazy to me.

Plenty of people have kids in modest apartments, condos and town homes. Do you get it?

People don't go to law school to live in modest apartments. Do you get it.

Np. But in this case, they should!

Then all that sacrifice, had work is all for nothing.

At the end of the day, there has to be some point, no?

You know what? Sure. Live in a prime location now; you deserve it. Lease that fancy car now; you deserve it!

Later...be saddled with debt for life, die destitute, and leave your children with nothing but resentment and the burden of your care. Leave this world in debt and nothing to show for your work. You deserve it.

[Anonymous]

My jaw literally dropped when I read 575,000!!! How on earth???

[Anonymous]

You are not UMC; you are a fraud living a life you think you deserve but that you can in no way earn or afford. Learn the difference.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I feel for you op. People act like what until you pay off student loans to have kids. Infertility is real. In my office of women lawyers, every single one of them over 35 is having trouble. We are super close so I know they’ve been trying and the troubles they’ve had. I went to a top 25 law school with partial scholarships and then into government and Dh went into non-profit (no loans for him). We are from the south so we started trying for a child at 26. Infertility. Didn’t see that one coming. Luckily, we didn’t wait until mid to late thirties so we had plenty of time to try everything we could before resorting to IVF. Then I went into private practice to try to pay off my loan faster. Worst mistake of my life. I won’t go into all the horrors of my law firm but if I could do it all over again, I would not have gone into private practice. All your problems are not magically solved if you go into private practice that’s for sure. Good luck.

True, but then you have to live with a lot of debt. You have to pick and choose what you can live with. For most of us, you can't have your cake and eat it too.

I had my first at 35 and second at 38, so it's not like I don't know about waiting to have kids. And I'm not a lawyer.

And I never said you could have it all. It’s just people willy nilly push waiting to have kids and with their kind of debt it may not be so easy.
Even though the DC area doesn’t believe it, fertility is on a finite timeline! She’s getting hounded for having kids and not waiting which is crazy to me.

Plenty of people have kids in modest apartments, condos and town homes. Do you get it?

People don't go to law school to live in modest apartments. Do you get it.

Np. But in this case, they should!

Then all that sacrifice, had work is all for nothing.

At the end of the day, there has to be some point, no?

You know what? Sure. Live in a prime location now; you deserve it. Lease that fancy car now; you deserve it!

Later...be saddled with debt for life, die destitute, and leave your children with nothing but resentment and the burden of your care. Leave this world in debt and nothing to show for your work. You deserve it.

You sound really angry. Why does someone else enjoying life irritate you so?

Perhaps you were once in the same boat as op and followed your own advice? It would make me miserable too

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I feel for you op. People act like what until you pay off student loans to have kids. Infertility is real. In my office of women lawyers, every single one of them over 35 is having trouble. We are super close so I know they’ve been trying and the troubles they’ve had. I went to a top 25 law school with partial scholarships and then into government and Dh went into non-profit (no loans for him). We are from the south so we started trying for a child at 26. Infertility. Didn’t see that one coming. Luckily, we didn’t wait until mid to late thirties so we had plenty of time to try everything we could before resorting to IVF. Then I went into private practice to try to pay off my loan faster. Worst mistake of my life. I won’t go into all the horrors of my law firm but if I could do it all over again, I would not have gone into private practice. All your problems are not magically solved if you go into private practice that’s for sure. Good luck.

True, but then you have to live with a lot of debt. You have to pick and choose what you can live with. For most of us, you can't have your cake and eat it too.

I had my first at 35 and second at 38, so it's not like I don't know about waiting to have kids. And I'm not a lawyer.

And I never said you could have it all. It’s just people willy nilly push waiting to have kids and with their kind of debt it may not be so easy.
Even though the DC area doesn’t believe it, fertility is on a finite timeline! She’s getting hounded for having kids and not waiting which is crazy to me.

Plenty of people have kids in modest apartments, condos and town homes. Do you get it?

People don't go to law school to live in modest apartments. Do you get it.

Np. But in this case, they should!

Then all that sacrifice, had work is all for nothing.

At the end of the day, there has to be some point, no?

You know what? Sure. Live in a prime location now; you deserve it. Lease that fancy car now; you deserve it!

Later...be saddled with debt for life, die destitute, and leave your children with nothing but resentment and the burden of your care. Leave this world in debt and nothing to show for your work. You deserve it.

You sound really angry. Why does someone else enjoying life irritate you so?

Perhaps you were once in the same boat as op and followed your own advice? It would make me miserable too

DP. But what other choice does she have? She can't refuse to get a high paying job, refuse to significantly cut expenses, and expect to ever get out from under that staggering debt. Debt compounds and pretending she can just go on the same path and live the life she expected when she got her degrees is misguided.

Something has to give and it won't get easier the longer she waits. Realistic is different than bitter and angry.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I feel for you op. People act like what until you pay off student loans to have kids. Infertility is real. In my office of women lawyers, every single one of them over 35 is having trouble. We are super close so I know they’ve been trying and the troubles they’ve had. I went to a top 25 law school with partial scholarships and then into government and Dh went into non-profit (no loans for him). We are from the south so we started trying for a child at 26. Infertility. Didn’t see that one coming. Luckily, we didn’t wait until mid to late thirties so we had plenty of time to try everything we could before resorting to IVF. Then I went into private practice to try to pay off my loan faster. Worst mistake of my life. I won’t go into all the horrors of my law firm but if I could do it all over again, I would not have gone into private practice. All your problems are not magically solved if you go into private practice that’s for sure. Good luck.

True, but then you have to live with a lot of debt. You have to pick and choose what you can live with. For most of us, you can't have your cake and eat it too.

I had my first at 35 and second at 38, so it's not like I don't know about waiting to have kids. And I'm not a lawyer.

And I never said you could have it all. It’s just people willy nilly push waiting to have kids and with their kind of debt it may not be so easy.
Even though the DC area doesn’t believe it, fertility is on a finite timeline! She’s getting hounded for having kids and not waiting which is crazy to me.

Plenty of people have kids in modest apartments, condos and town homes. Do you get it?

People don't go to law school to live in modest apartments. Do you get it.

Np. But in this case, they should!

Then all that sacrifice, had work is all for nothing.

At the end of the day, there has to be some point, no?

You know what? Sure. Live in a prime location now; you deserve it. Lease that fancy car now; you deserve it!

Later...be saddled with debt for life, die destitute, and leave your children with nothing but resentment and the burden of your care. Leave this world in debt and nothing to show for your work. You deserve it.

You sound really angry. Why does someone else enjoying life irritate you so?

Perhaps you were once in the same boat as op and followed your own advice? It would make me miserable too

Show me how OP will get out of at least $500K of debt AND be able to save for a secure retirement without making big changes and giving up her fantasies of entitlement to a lifestyle she literally cannot afford.

I’ll wait.

[Anonymous]

The move to private practice for either could be a terrible financial decision. If they are working in the right public service, they could be eligible for public service loan forgiveness after making minimal payments for 10 years. Then move to private practice.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I feel for you op. People act like what until you pay off student loans to have kids. Infertility is real. In my office of women lawyers, every single one of them over 35 is having trouble. We are super close so I know they’ve been trying and the troubles they’ve had. I went to a top 25 law school with partial scholarships and then into government and Dh went into non-profit (no loans for him). We are from the south so we started trying for a child at 26. Infertility. Didn’t see that one coming. Luckily, we didn’t wait until mid to late thirties so we had plenty of time to try everything we could before resorting to IVF. Then I went into private practice to try to pay off my loan faster. Worst mistake of my life. I won’t go into all the horrors of my law firm but if I could do it all over again, I would not have gone into private practice. All your problems are not magically solved if you go into private practice that’s for sure. Good luck.

True, but then you have to live with a lot of debt. You have to pick and choose what you can live with. For most of us, you can't have your cake and eat it too.

I had my first at 35 and second at 38, so it's not like I don't know about waiting to have kids. And I'm not a lawyer.

And I never said you could have it all. It’s just people willy nilly push waiting to have kids and with their kind of debt it may not be so easy.
Even though the DC area doesn’t believe it, fertility is on a finite timeline! She’s getting hounded for having kids and not waiting which is crazy to me.

Plenty of people have kids in modest apartments, condos and town homes. Do you get it?

People don't go to law school to live in modest apartments. Do you get it.

Np. But in this case, they should!

Then all that sacrifice, had work is all for nothing.

At the end of the day, there has to be some point, no?

You know what? Sure. Live in a prime location now; you deserve it. Lease that fancy car now; you deserve it!

Later...be saddled with debt for life, die destitute, and leave your children with nothing but resentment and the burden of your care. Leave this world in debt and nothing to show for your work. You deserve it.

You sound really angry. Why does someone else enjoying life irritate you so?

Perhaps you were once in the same boat as op and followed your own advice? It would make me miserable too

NP. I wonder the financial status of someone that makes these kinds of statements.