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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Your husband is correct.  They can do it without family money if they aren’t contributing to 529s or saving outside of retirement.

We make around 420k HHI and what kills us is the 529 savings and savings outside of retirement.  That alone is at least 4K per month just to be on track for retirement.

Truthfully someone with a SAHM isn’t necessarily that concerned with retirement.  Having a spouse stay at home is one of the worst financial decisions you can make.  Unless you’re loaded not contributing to a retirement plan for years really hurts.  [/quote]

How do 529's kill you at that salary?  We make less than half and comfortably put into 529's.[/quote]m

We need to [b]invest 2k outside of retirement and $1,200 per child into 529s[/b].  Each month.  That [b]extra 3k [/b]would buy us a much nicer home if we could instead use the monthly income towards a more expensive mortgage.

[/quote]

Unless you have 5/6 of a child, this math doesn' add up.  [/quote]

You’re a moron.  I was rounding down. It’s $3,200 a month and I said 3k.  [/quote]

$200 is a material difference, and furthermore, the word usage you chose ("1,200 per child into 529s") implies more than one child.  If you learn to express yourself clearly, you could avoid both confusion and the need to gratuitously insult others who point out your shortcomings.  [/quote]

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