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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]When we had student loans from DH's law degree we bought a cheap townhouse in a gentrifying area, and we didn't have any car or consumer loans. We drove an old sedan until the student debt was paid off.

750k is insane. Look for a condo or townhouse where your PITI costs are as close to rent as possible.[/quote]

Agree that trying to reduce expenses with that much in loans is really important. $722 for a car lease sounds high, but I don't know when OP and her husband got their lease and if interest rates were already high. It would be a shame if they were driving around in a BMW and not paying off loans/funding retirement/funding 529s. [/quote]

Op here: it’s not a bmw, it’s a Toyota and we bought in 2021 because our 14 year old Camry ran into the ground. [/quote]

WTH?!?! why are you paying $722/month on a Toyota.  You have a family of 4.  Another Camry would work just fine or a Rav4.   You do not need/cannot afford a Highlander or more expensive at this point.  And why lease?   Buy a $35K vehicle and pay it off in 3 years then drive it into the ground for the next 10.  You can't really afford to live the fancy life until you pay off your student loans.  Do that and you will be financially sound.[/quote]

Op here: you obviously aren’t in the car market at all. And I never said it’s a lease…I bought a Toyota Avalon car for $40k when the market was crazy because I needed a car and my 14 yr old  Camry died. [/quote]

But, clearly you couldn't afford a $40K car.  [b]Where is all your money going if you aren't paying off your loans/debt?  How much is your rent.[/b]

You need to buy a cheap crummy house like the rest of us and focus on paying off that debt, regular savings and college savings.[/quote]

+1  OP you need to answer some of the reasonable questions if you want advice.  Post a real budget.  Is your SAHP planning to return to work, and what will that look like (timeline, potential income)?  How much longer on the car loan, how much longer until the youngest can be in free school (PK3 in DC, K in the burbs)?  What will your student loan payments be when they resume, what are your interest rates?

You're only responding to the comments you can smack down but you're ignoring the people that need more information to answer your question.  At first it felt somewhat reasonable (how many people can ask "how can a lady be a lawyer?" before you type an angry reply) but now it feels trollish.[/quote]

Op here: 3 years left on the car loan. Car loan interest rate is 3%. Student loan interest rate is 6%. DH is a real estate agent so he only make money if he has a deal. He will be grinding more when our baby goes to Kindergarten in 4 years. I don’t rely on his income and don’t plan my life around it because it’s commission based and hard to determine some years it’s $40k some years it’s $100k the highest ever was $130k.

Here is a budget breakdown:
-$722 car note
-2800 rent
-$300 utilities
- $115 Verizon internet
$200 cellphones
- $280 car insurance 
$900 health insurance. [/quote]

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