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[quote=Anonymous][quote=Anonymous]I'm the OP! I haven't had a chance to read this whole thread but let me just apologize if my post was misconstrued. It was not directed at the conscientious savers who live reasonably and have to account for many expenses, but I luk in various DCUM forums a lot and it seems to me that many people here are indeed out of touch with reality. There are people here who earn $170k got a family of four and say they struggle but the only place where I'd see a legitimate struggle there is saving for college (college is too expensive now) and having to cover health costs if your insurance doesn't extend to the kids, which would suck.

Also I do max out my 401 and Roth ira from the amount I save each month and the rest goes into the savings account.

I could invest in stocks I know but up be honest I'm not good at evaluating stocks and wouldn't know how to do it, so I don't want to risk losing my money. And I don't want to pay a broker.[/quote]

OP again. Sorry for typos, on phone.

And I do understand how my lifestyle is a little extreme with never eating out, etc. my ultimate goal is yes, to transfer to a higher paying job (economy sucked when I graduated law school - I took the job I could get and I have gained valuable experience from it) through social connections I have made with other lawyers in DC. My boyfriend works in a govt position and while his salary will increase with time it's never going to be the 200k that people on this forum earn. My philosophy is that when we are earning more comfortably (which I hope will be by 2016) then we can go out to cheap, high quality Korran restaurants every once in a while. But until then I want to save like the apocalypse is coming. I don't know if I'll end up marrying my boyfriend in the end - I think we will but then anything can happen. I think my job security is solid and my chances at transferring to a higher paying job are looking really good right now, but again, anything can happen. No matter what I already have so much saved up that I feel i will be fine no matter what goes wrong.

We aren't sure we want kids because of the costs but will probably have just one. We want to be living in VA by the time we have a family so that we can pay in-state at a great school like William & Mary or VA Tech or, if the kid's smart, UVA. Though I'd still want my kid to gun for scholarship money like I did.

I thought I needed all these "things" when I was younger too (dad was a lawyer as well and earned enough to provide a barely-upper-middle-class lifestyle) but then in college I changed. I had to manage my own budget for he first time and when you're surrounded by other broke college kids you learn how happy you can be just drinking cheap beer that upperclassmen guys bought you and hanging out in your apartment. I know I cannot sustain this lifestyle as a mother but the point is with my inexpensive needs and planning, I'll manage even with more expenses and everyone else can too. People here who get loans on nice cars are ridiculous, I'm sorry. So you have a loan on your house, loan on your car AND you did that knowing you have student loans to pay off? The mortgage I understand but in that case buy two used cars. I [/quote]

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