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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Op here-no employer match for 401k, still worth it? 500 to savings, 500 to retirement? 
Fwiw We have no cable, eat out once or twice a year, day trips only, cheap cell plan. 
My kids have learning disabilities that can't be adequately addressed in public schools. Not negotiable at this point. [/quote]

This is the problem right here.  I would move to a good public school district ASAP.  I know it's not what you want to hear, but I think you are discounting public school without really, really, looking into how to make that work for you, even if that means moving.[/quote]

My children have learning disablities that require ongoing, active and assertive advocacy to get them addressed in the public schools.  But it is not impossible.   We also supplement at home and with tutors becasue the public schools ar enot hteir to provide the BEST, but are there to provide the appropriate.  Everyone I know supplements regardless of LDs or not (my parents did this as did their parents- it isn't new).  FAR FAR FAR cheaper than private schools.  There are plenty of public schools in the area that can meet your children's needs and you have the income to afford the neighborhoods.  One is ASD the other is profound ADHD and profound multiple LDs.  Both are 2E.   It does require more active parenting time (and that sucks, but so does paying private school tuition), but we have been able to fully fund college and our retirement on 100K less  HHI.  As a result,we are in a better position to help our children in school and when they go to college and beyond.  I think you are being a little short sighted about the cost of privage school and the long term consequenses of that [i]choice[/i].

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