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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Report back after you are married and have kids.[/quote]
This.  1000 times this.[/quote]

I am sorry but I have to agree with this. OP, based on what you write, you cannot afford to marry and have kids, or could barely afford it. Which is pretty much the central thing people are talking about when they say that the middle income american family cannot get by or get ahead. 
[/quote]

So you don't think she and her boyfriend will receive a raise?  Ever?  How can they not afford to marry?  It only costs around 100 dollars to marry!   [b]I would think even if they didn't make more money, they could float all of their expenses on his salary alone, she could stay home with kids and have some sort of side job.[/b]  [/quote]

She can stay at home in her group house with their kids? Because guess what, you can't really raise your children in a group house.

And yeah, DH and I live ultra frugally (always contribute max to retirement, absolutely no debt other than mortgage -- we paid off our student loans living frugally in our 20s and also saved up a $100K DP on an HHI of $80K, probably about the same takehome as the OP, and only about 5 years ago, so things weren't cheaper or anything).

OP absolutely can't afford kids the way she lives now. Just renting her own place in the city (with boyfriend) for kids would be like $1500 ore per month (for a TINY place) or buying would be that much more per month plus a hefty DP. She's living in la-la land if she thinks she can swing the next stage of her life living the way she does now.[/quote]

Of course they won't live in a group house with kids.   In five years I'm confident her SO will make enough money to rent a one bedroom (if not buy) and pay for groceries.  [/quote]

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