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Reply to "What’s a reasonable HHI to have children here?"
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[quote=Anonymous][quote=Anonymous]Ok here. We do not own a home yet and husband is self employed so our income varies. Nervous about adding a baby to the mix. [/quote] How old are you and DH? How is the income split? How much have you already saved for retirement, house, emergency fund….? When DH and I first were together DH made about 50% more than me, so our income split was 60/40. We saved my entire take home pay and 15% of DH’s plus any bonuses. That helped set us up for future saving and helped us keep our spending at bay. When we had our first child, at 32 and 36, we had enough to pay for daycare our of my paycheck - of course we did not save as much, but we were able to still each save 15% towards retirement. It is much easier to save if you start out saving before you get knee deep in children. [/quote]
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