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Reply to "What do you do with that second salary?"
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[quote=Anonymous]We have been living bare-bones while I was a SAHM, but now I have a job. I estimate that after taxes and everything, I will be bringing in 3k a month. Basically all of it is going to go into some sort of savings- savings for our retirement, savings for the kids, savings for another car, an emergency fund... I am really overwhelmed and I don't know where to start or how to allocate it. Advice? Here is our savings picture: Emergency/new car fund: 35k Retirement: 18k for me (I'm 30), 22k for DH (he's 35) College fund for our 2 kids, ages 3 and 8 months: $0 Bright spot: car note/student loans/credit card debt: $0 I am open to suggestions. DH's salary covers all of our other expenses and I'd say we save at least 1k per month, but that figure goes up and down, and we are crazily frugal, and I don't mind living that way. We also live in MD.[/quote]
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