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[quote=Anonymous][quote=Anonymous]Are you saving for retirement and have some easily accessible emergency savings for an unexpected expense? If so I would not worry about the financial situation right now. [b]Most people with young kids are, not exactly living “paycheck to paycheck” but also not exactly building up a huge emergency fund and savings for a down payment on a new home[/b]. That goes if you have two working parents and day care/nanny expenses, or one parent and a SAHP and thus lesser income. Again is it worth her happiness to send her to a rec center gym and cut off her clothes spending to a few trips to Walmart each year to bank an extra $750 savings at the end of the year, I don’t think it is.[/quote]

This was pretty much the attitude of all my friends who at 50 still have terrible savings and retirement feels like a pipe dream (even with excellent jobs).  It's not like costs go down. It's just that the early baby costs get replaced by other equally (or more) expensive stuff as the kids get older.  Botox, hair dye, cars for the teens, tutors, expensive extracurriculars, vacations for 4 instead of 2, etc.  And sure, people are going to respond and say they don't have these expenses for their teens. But anyone who is spending on OPs budget on a HHI of $250k at OP's is exactly the type of person is spending on all these other things 10 years later.  You think OP's wife, with her twice-a-year $1000 purse and $200/month gym membership is going to share a room with her family of four at the best western for vacations in 10 years?

In the mean time, those of us (and there are plenty) who lived frugally when kids were born (and had good jobs) are all looking at retirement by 55 if we want.  [/quote]

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