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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Op here with some salient additional information:

1) I make around $100,000 per year but I really work for my health insurance and retirement, which we get through my job. 
2) our house isn’t big enough for an au pair and I don’t really feel like having a late teen/early 20 year old to also take care of (per experiences from friends who have had au pairs)
3) we do have bi-weekly cleaners and landscapers who cut the yard and do clean ups/weeding/etc
4) we are still paying off student loans (+$250,000 between DH and myself undergrad plus grad for him and grad for me) but should be done in 3 years thank god. So between student loans and daycare costs the past 8 years we are severely behind on retirement and savings

I think what would really help is someone in the afternoons to help kids with homework/shuttle them around when needed/make dinner/help with laundry. So someone 3-4 hours a day. Is that possible? How much would that cost? [/quote]

Post your budget. If you can't figure out this sh** with $650,000 HHI, how do you think the rest of us do it? Your salary should take care of daycare costs and loan payments. Where is your DH's salary going?[/quote]

Op - I only started making $100,000 last year. Prior to that I was making $65,000. When we started having kids DH was making $250,000 and I was making $60,000. But we had more debt and daycare costs then. Salaries went up over time and we have tried to pay down student loan debt.

But of course over time we have had more kids, bought a house, bought cars to drive said kids, etc. [/quote]

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