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[quote=Anonymous]In 5 years you'll be 41.  If I were you, I'd try to have a baby sooner.  I had a baby at 38 and wish I'd done it a couple years earlier when I had more energy.

Are you sure you can't pay off $32K faster than 5 years?  That's only $533/mo.  I made $100K when I was single six years ago, and I was maxing out my TSP ($750/mo at that time) while paying a $2,400/mo mortgage and living a typical yuppie lifestyle, with lots of travel and nice restaurants.  I know that with inflation, $100K doesn't go as far as it used to, but maybe you can tighten your budget if you channel your inner broke college student.  I accrued $5K in credit card debt while unemployed during the Great Recession.  Within 6 months of getting a job, I was able to pay off the debt by living with roommates in a lame neighborhood and having a no-frills lifestyle.  You should still put 5% into your TSP, though, to get the match.

Or you could switch to the private sector.  Federal salaries suck.  The work/life balance is great.  But if I needed more money, I would have switched to a different job.

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Right...and I can get out of this debt in five years if I stick with my budget. I had a series of catastrophic events that propelled me into this debt. My options now are finding a job to cover the egg freezing or hoping that a partner comes along in the next five years...[/quote][/quote]

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