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General Parenting Discussion
Reply to "How Do We Know if We Can Afford a Kid in the DMV?"
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[quote=Anonymous][quote=Anonymous]The problem with having a baby before you own a house or condo here is that it's super hard to save for the down payment while you're paying for daycare. And as soon as you finish daycare, you need to start saving for college and retirement. And once you have a kid you need to buy life insurance. [/quote] Actually DH and I found it easier to save once DD was two and both our student loans were paid off so we weren’t spending upwards of 700 a month towards that. It’s amazing how much we can save now that our car is paid off and our student loans. And we’ve been saving for retirement since we started working and DD’s college since she was born. Also, owning a home is not a requirement to be a good parent or to be a parent at all. Plenty of good things about renting with a young kid. No yard work, no lawn maintenance, no home repairs, no unexpected broken water heater, etc. [/quote]
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