Reply to 40-yr-old husband makes $125,000

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[quote=Anonymous]OP:  I'm 25 years into teaching (so, age 47) and i make 75K.  And I own my own home. I got a special low interest mortgage rate since I was steadily employed in a union job but still on the "lower income" scale of things  (5K more and I would not have qualified.) And I had a child on my own.  And I am financially stable; good retirement savings.  I got a masters at night while working, for which my school district paid 75% and i got an immediate nice raise for the rest of my teaching  career because of it. That raise paid back my loan in no time.

Plan plan plan.  I bought a very small house when i was 25, borrowed money from my dad (and paid him back with interest) so I could fix up the basement really nicely and rent it out.  That rent pretty much covered my mortgage.  So does a summer nanny job (2 kids) at 25/hour cash (and in time I could bring my baby/ kid along too so no babysitting fees). Plan plan plan.  Before I was a mom at 41 I always worked 2 jobs.  I always took a 2-vacation to Europe and another week at the beach.  I was young and could do everything and never get tired.  Now the house is paid off and that housemate money is fun /college/emergency money. At 50 I might be too tired to "do it all" ; I don't know. My kid gives me a lot of energy. She's 6 and everything she does makes me laugh.

Just plan:  Live within your means. Get a second job that gives you benefits, like working 2 evenings a week at a gym but you get a free gym membership.  The opportunities to make more money are endless. Obviously this applies to your husband, too. [/quote]

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