Reply to Am I really still beneath my peers financially?

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Reply to "Am I really still beneath my peers financially?"

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[quote=Anonymous]OP, where are you getting these ideas?
These 4 phases you talk about are awfully arbitrary. And what if you have kids?

I’m from LMC white family. My parents are divorced and split everything 50/50. My dad is doing OK not because he makes a lot of money, but because he is good at managing what he has and makes good decisions so he is in a good place. He wouldn’t dream of accepting help from me and he plans to leave us something, even if it it little.

My mom has more education than my dad but has made many terrible decisions and is awful with money and willfully ignorant. I find it hard to feel sorry for her. She is going to face some tough choices. Oh well. Not my fault. I didn’t ask to be born and I need to look out for myself and my kids and setting them up for college and beyond.

I would rather give money to charity than my mom because at least most charities actually give people what they need and aren’t so wasteful like my mom is. But I don’t expect to be in phase of life where I can give a lot to charity until my kids are grown and out of college. I will be 55 by then. It’s not a race.

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