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[quote=Anonymous]You don’t make enough for a house in that range with two kids, alone.

Heck, neither do I. I make $256K (also a single mom) and can’t afford it either. After deductions (maxing retirement and HSA) my take home pay is $10400/month.

$1200 school for kid
$800+ groceries
$300 car insurance and fuel for paid-off car
$75 Verizon
$250-400 utilities
$1200 property taxes
$330 home insurance (never filed a claim)
$500 private disability insurance
$360 biweekly house cleaners
$300 commuting
$500 (prorated per month) kid summer camp
$600 kid extracurriculars 
$2K to retirement 
$625 (prorated per month) to backdoor IRA

That’s about $2K/month remaining for healthcare, dentistry, eye care, clothing, shoes, car maintenance, home maintenance and landscaping/grass mowing, sewer, paying accountant for annual taxes, holidays and gifts for others, unexpected expenses and infrequent entertainment.

No vacations.

I bought and paid off a smaller $1M house.

No way could I afford a >$5K mortgage and associated utilities and maintenance on a bigger/more expensive house.[/quote]

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