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[quote=Anonymous][quote=Anonymous]OP here- I'm actually a fellow, so still not on an attending  physician salary. I moonlight frequently to pay things like our old condo mortgage (one reason why we need to rent it out!) We do have a cleaner, but they come only once per month and we plan to hire a nanny once baby 3 comes. I can appreciate all that he’s sacrificed to get us here. I sometimes forget, bc he says he loves his job and is generally happy with it. I will say though, he typically travels once per week for work (this has come to a halt during COVID), so we frequently had help in the past, but we lost a lot of it with COVID (sitters moved back to their families, etc). I realize that a lot of these things are temporary and my salary will jump in a few years. But right now we are strapped financially. [/quote]

Then it is time to play the long game. You don’t make a lot of money NOW but you will soon. The pregnancy/baby years are the absolute hardest time on the parents physically and now is the time to hire help. It’s okay if you don’t save right now. It’s okay to stop retirement contributions for a few years if that’s what it takes. Hire help. Both of you need it NOW. When your baby is 3 it will be infinitely easier to ramp up and make up the difference later, but you will never get this time back.

Have your cleaners come once a week, at a minimum. [/quote]

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