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Reply to "What $PITI should we aim for..."
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[quote=Anonymous][quote=Anonymous]I wouldn't go higher than $3000. For comparison, we are slightly higher HHI than you ($260k) and our PITI is $2200. We also have young kids (k, pk, and daycare) and save a decent amount (max 401ks, Roth's, $500/mo per kid to 529s) and after groceries, fixed expenses, activities, there's not a lot left! Do you have a lot of room to grow in salaries? If so maybe go a little higher but you don't want to be house poor.[/quote] Can only increase maybe 30-50k in the next 10 years. That is similar to what we currently pay. We don't do 529s because we cash flow daycare/ tuition now so plan on continuing that. Admittedly don't max out 401k, but do contribute to get the match. Hard to swallow staying in the house we have outgrown in order to put money away for 30+ years from now, but aware it's probably the smarter move[/quote]
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