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[quote=Anonymous][quote=Anonymous]$90K... Ok

$25K for health insurance (monthly, co-pays, things not covered). Remember, having babies means tons of appointments! And little kids injure themselves-- sprains and breaks, broken teeth, and all the random ear infections and rashes and fevers other stuff that necessitates an appointment. Don't forget your wife's medical care-- pregnancy complications, C-section care, mastitis, all kinds of stuff.

3K for property taxes plus assessments. LCOL areas love to claim low tax rates but slap homeowners with "assessments" when funds are needed.

Home maintenance... Gonna say $1K per year for basics, assuming a lot of DIY, plus every so often a major expense in the $5K-$25K range (roof, boiler, exterior paint). Let's set aside $4K a year for that. Total of $5K.

$2K a year for utilities and phones, maybe $3-5K if it's a cold climate. Heat uses more in a single family home than a condo.

5K for gas and car maintenance. Probably two cars, since LCOLs tend to be less dense, you'll be  driving a lot. Also, set aside $1K per year to replace the cars as they depreciate. Snow tires if it's cold.

$5K a year in college savings, to contribute to SOME of the cost of an in-state education. Mr. My Parents Supported Me After College needs to do the right thing here.

$5K for travel to his and her family. Remember, if you fly, that's 4 plane tickets.

See how fast that goes? We've spent more than half the $90K already, and nobody's eaten any food or worn any clothes, and nothing bad has happened yet. But it will![/quote]

OMG, you people are so dramatic about healthcare! I just went on the Maryland Health Connection website to get quotes for a family of four (50-year-old male, 45-year-old female, two kids ages eight and 10). The plan costs…wait for it…$246/month!

This is a Kaiser Permanente bronze plan with an annual out-of-pocket max of $7,200 per person and $14,400 per household. It’s only $246/month (i.e., less than $3,000 per year) because a $90,000 income for a family of four allows a $422 monthly tax credit.

This means to reach even $17,500 in annual spend you’d have to have not one, but two, people hitting the annual out-of-pocket max EVERY year. How are you people spending $25,000 a year on healthcare as a baseline? Do you have family members who just repeatedly cycle through various types of cancers??[/quote]

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