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[quote=Anonymous][quote=Anonymous]OP here. Many good comments (and a few nasty assumptions). To be clear, [b]we are not in debt[/b] and we more than manage to break even each year.  We save and, in addition to our 401ks, have about 150k in mutual funds and savings. Would like to get that to about 200k. We also put about $500/month into a college savings account for our two year old (neither of us had parents who saved for our education, hence the student loans).  We usually go to the Delaware beach for a few days in the summer but that is the extent of our vacations.

As for our home, I wish that it was a lower mortgage. We had saved for about 12 years before buying so we could put down 25% (and stay under jumbo loan territory).

And for the person who said we work all the time-that isn't exactly true. The problem is that DH and I have very early work schedules due to the unique nature of our jobs. We have to be out the door by 6 am, before daycares open (and before our kid is awake). On the plus side, we are home by 3 pm and have five hours of uninterrupted family time, which is amazing. [/quote]

With a mortgage and school loans you are in debt.

If you live in Alexandria, what do you plan on doing for schools when your children get to that age?

WIth four bedrooms and your schedule an a pair could help cut down your large nanny bill.

The only jobs I know with those types of hours are federal jobs and they have flexibility with start times.  One of you could leave at your current time and one of you could leave later after day cares have opened up, then the early riser can pick up from daycare.  Staggered schedules is how many families make it work.  It also works well during the elementary years.  [/quote]

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