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Reply to "Anyone at $330K HHI have a mortgage that is $4900/month (37% of net pay / 17% of gross)?"
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[quote=Anonymous]OP here. Thanks for the responses. With respect to DH's federal government retirement benefits, can the PP embellish a little bit more? My DH is a GS-15 (5), and as I undersatnd it, he is at the top of the pay scale at $157,100. So will it matter if it is highest 3 or highest 5? (In other words, it seems like he'll be making the same amount -- with a tiny uptick -- for the next 20 years if he remains a federal employee.) (If we were to get into a cash bind, we would borrow from DH's TSP until we could build up a bigger cushion. Also, we have a slight bit of extra income if the grandparents decide to gift us $12,000 each for my DH and me. We don't count on it but it happens most years. This helped to allow me to work part-time for many years.) [/quote]
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