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[quote=Anonymous][quote=Anonymous]OP, I think I know how you feel. I will get flamed but I too would advise you to cut down on savings. Definitely no retirement savings for H until he gets back on his feet.[b] And college savings reduce the chances of getting a need based scholarship[/b]. Stock up some cash/make investments for a rainy day but don't overthink this. Yes you may not be able to afford retirement in a fancy community, but you won't starve and you won't be homeless. If you concentrate on keeping a healthy mind in a healthy body, I am sure you won't be a burden on your kid or kids.
I would not have a second child but that's just me. I am sure you will be able to afford a second child once the older one is in K.[/quote]

I know we live in a crazy bubble here, but if you make $150K, your kid is not going to get need-based financial aid at most schools.

Keep saving for retirement.  Find inexpensive fun things to do--this area is full of free museums and parks.  National parks are not free, but admission is pretty cheap and an annual pass can be a real bargain.  Take overnight trips to nearby locations.  There are lots of places to go wine-tasting nearby, which is inexpensive.  Buy discount tickets to performances on Goldstar, or go to the Kennedy Center's Millenium Stage for a free show every night at 6:00.  We watch a lot of movies on Netflix--a foreign film, a bottle of wine, and some chocolate is a nice in-home date night.  Find neighbors or friends to trade babysitting with so you can get out.  Keep exercising--take walks as a family, jog around the block, etc.  Some yoga studios give you free/discounted passes if you volunteer.  Buy cheaper groceries--eat more vegetarian meals and less meat, which is expensive.  Reconsider your bills--can you get a cheaper cable/phone package?  Are you doing all you can to reduce your energy usage and minimize your utilities?  [/quote]

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