Reply to Do you ever wish your DH made more money?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]I know right? I'd like to be able to buy a house, like one attached to neighbors with 3 bedrooms. I'd like to be able to go to the doctor and not weigh it againt the cost od my deductible.

When your combined HHI is just shy of 100k, it's a struggle.

Take home 5800
Healthcare 800 (with a 3k deductible)
1800 rent
1200 daycare
800 food diapers and formula
200 gas
300 utilities

We have 900 left over for Healthcare deductibles, emergencies, savings, and clothing and basics for our growing baby (forget about any luxuries doe ourselves). I'm already in the hole $3,000 for my c-section. We can't save for college and cant save for retirement.

I think that poster just wants to imagine shit. Assumes everyone in DC are rich complainers. No ability to think outside of their own situation. I'm guessing that poster has no idea what it's like to put $10 of gas in at a time and coast down hills.

I don't see people on here complaining about not having a 3ksq foot house or European vacations. please.
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I'm in the same boat.  [/quote]

I am the poster who writes about what I see as the sense of entitlement oozing from this thread. I am sorry you don't see.  You don't like your financial situation and you are not suffering from some God awful disease, then please cry me a river.  I just spent $1600 to repair DW's 12 year old car.  My mortgage is $2700, and I am facing college expenses for DD.  My idea of a vacation is to visit my Mom.  But here is the thing, I don't whine about it. I figure out ways to make it workl.  $1200 for child care seems to be a cost that could be jettisoned if one of you stays at home.  Is that even possible?  Can you put aside money in a healthcare savings account pretax for deductibles and copays.  You should budget 10 percent off the bat for your retirement, i.e. pay yourself first.  It is a bill that comes due, just like the electricity, the H2O or the car payment.  If your employer provides a match and you are not doing this you are leaving free money on the table.  I assume you don't have cable.  Food seems on the high side.  We are a family of three and spend about 1/2 that on food.  Otherwise, would you get a better qualify of life elsewhere than in Metro DC?  Could one of you take on a second job?  Just some thoughts, but I have BTDT.  [/quote]

Hahaha! Someone SAH on 50k/yr? Move to a lower COL area and lose all support of family? Genius! Lower grocery bills while paying for formula and diapers? Your kids are headed to college. It's not 1994 anymore. Prices have gone up.[/quote]

PP how old are you now?  What field do you and your DH work in.  I was 33 when my DD was 3.  My wife was in grad school and I made $65K.  We managed to put her through school, pay for daycare for DD and buy a house all on my salary.  The mortgage on that house was (and is) $1500/mo.  My first job out of grad school paid $25K.  My next job three years later was $50K and the next one was $70K.  My current job is $120K.  DW makes $85K.

I guess it all depends on state of life, but I do not make at 25 what I now make at 48.  It generally gets better.  As someone said above, you have to be playing the long game.  Good luck!  
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late 30s.

He works for a non profit and I manage a retail store. People like me don't ACTUALLY exist in your world. Ever wonder how people survive that work at Starbucks, Giant, or Home Depot? I bet you think they are there making pocket change. Or maybe they don't really exist to you. You are surrounded by middle aged FT workers trying to survive in DC and you aren't even aware. [/quote]

I am the PP who asked the question, if only to get some perspective and maybe provide some guidance or moral support.  In my long career, I have had  any number of jobs - waiter, retail sales, fast food, non-profit manager, legislative analyst on Capitol Hill, Federal contracting consultant, etc.  I guess I have been lucky - I really haven't focused on the paycheck as I have progressed -am now mid - level Fed.

The fact that you are a manager tells me you should have some transferable skills that you should be able to use to change careers if you so desire.  The key is identifying those skills and then being able to sell yourself.  I highly recommend that anyone in considering a career change read Richard Nelson Bolles' "What Color is Your Parachute?" and that you also do the exercises therein. Also, you may wish to avail yourself of low cost or free career counseling services.  Where did you go to college?  Very often universities and colleges provide continuing servicesto alumni.  I went to GWU and know that they do. The Women's Centerin Vienna is also a good resource.

What does your husband do for the on-profit? Perhaps he also could make a jump to another organization, the private sector or government to increase earnings? Again, it is a matter of identifying your transferable skills, finding where you can put them to work and being able to market yourself.  Is it hard to do this? Yes. Is it impossible? No.  However, you have to be willing to take the bull by their so to speak.

Good luck!

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