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[quote=Anonymous]We've got two kids in daycare and a reasonable mortgage, and I feel like we just can't get ahead financially. We don't spend more than we make (and don't spend lavishly at all), but aren't really saving anything either (aside from retirement, which we max out). I'm wondering if others have felt similarly at this stage in their lives, but eventually were able to get ahead?

We're in our early/mid 30s and pretty well-established in our careers, but with room for growth. No immediate big raises on the horizon though.

Not being able to save more is really bothering me, but maybe that's just what this stage is like and things will get better? When I look back at our parents, that was certainly the case (modest incomes with a young family, much better off by the time we were in college) but maybe that's not a typical trajectory anymore.

The only real fix I see in the short-term is looking for a better paying FT job, but that would most likely mean giving up my flexible schedule and WAH arrangement, and I'm really hesitant to do so now, or even (or especially) later when the kids are in school. If that's what I need to do for us to be financially sound, I'd do it, but if it's just a matter of weathering these early years, I'd rather we just push through.

So - did things get better for you? I see people post on here all the time that they didn't really see any savings when their kids entered public school (I find that a little hard to believe), but regardless of that, ten or twenty years out from having kids, are you doing better financially than in the early years?[/quote]

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