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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]We are at a similar HHI and net approximately $20k/month with 2 extra pay periods. After $7k mortgage, you have $13k/mo remaining. Is that not enough? Even if you allocate $6k for childcare, that’s still 7k/mo for basic living expenses. [/quote]

Congrats, you have the mindset of someone who will be tied to their job until age 65+.[/quote]

Not sure why you’re coming at me. This isn’t my budget. We net $20k per month and spend $10k so you can take your preaching elsewhere. I’m simply asking why HER budget isn’t working despite numbers suggesting that it should. [/quote]

You basically told OP, "You take home $20K and your expenses are $20K - what's the problem?" Most people earning $400K wouldn't think it's OK not to save any money beyond their 401k.[/quote]

OP is young and at one of the most expensive phases (new house, young kids, newborn and need for nanny, etc) of life. The concern she expressed is making ends meet, not early retirement or how much she ought to be saving. She expressed anticipation of higher income in the future. Most people are not maximizing savings or saving much at all while having a newborn. [/quote]

Well we had a 200k HHI when we had a newborn and somehow we managed. To say that you can’t survive on 400k while also buying a ridiculously expensive house is nuts.[/quote]

You guys are clearly idiots because we managed with a newborn on 80 HHI. [/quote]

I actually think you are the idiot being a grown up adult with kids on an entry level income still. [/quote]

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