Reply to I told DW it’s time for her to return to work FT

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[quote=Anonymous][quote] I'm 42, have paid off my mortgage, and we're raising 3 kids on that exact salary. '
budget better.
[/quote]

Your situation is not likely OPs. You likely have younger kids and have a long time to save up for college. You already paid off mortgage--great, what/when did you buy?. OP may not have made GS 15 until he was 45. OP may have had student loans, or his wife's student loans.

Between DH and myself, we make a strong HHI now, in comparison (275k). But we are in our late 40s/late 50s. I was in grad school till 30 and did not crack 100k until I ws 44. DH was in a low paying field until he was 45, and met  me :). He has a special needs child from prior marriage whose medical expenses have cost between 20-40k a year for the past couple of years with no end in sight plus younger kids who are hitting college. No inherited wealth, in fact we are now spending 10-20k a year to support them/fly in and out/take to doctors, pay for health aid, etc.  Between child #1 and parents, we are looking at 50k outright from our combined incomes. After taxes for the most part. [/quote]

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