Anonymous wrote:14:39, if she is spending the $2k on that stuff, then she is not saving it. I'm assuming she didn't write down every last expense and is actually saving the money as she states. Not spending it as you assume. Only she can say, but to assume she is lying...I can't go for that.

Spot on. I guess I wasn't clear enough in my pp.

Saving the $2k for now but planning on investing. To me, that is living comfortably.

Anonymous wrote:

Anonymous wrote:We are very middle class, $150 hhi and net $8500, live comfortably but only one in daycare. Worry about a 2nd child.

Become a SAHM and save on having others raise your kid. Have the 2nd one.

You're a moron.

Anonymous wrote:

Anonymous wrote:We are very middle class, $150 hhi and net $8500, live comfortably but only one in daycare. Worry about a 2nd child.

Are you saving any for retirement? We make much more than you but our net take home is $6500. The biggest withholding is our 401k Roth. We do max contribution.

Our employers each contribute 10%, we do two Roth's from that $8500/net.

14:39, if she is spending the $2k on that stuff, then she is not saving it. I'm assuming she didn't write down every last expense and is actually saving the money as she states. Not spending it as you assume. Only she can say, but to assume she is lying...I can't go for that.

Anonymous wrote:We are very middle class, $150 hhi and net $8500, live comfortably but only one in daycare. Worry about a 2nd child.

Are you saving any for retirement? We make much more than you but our net take home is $6500. The biggest withholding is our 401k Roth. We do max contribution.

If your mortgage was $1500ish and you didn't vacation a ton or buy lots of crap.

Anonymous wrote:We are very middle class, $150 hhi and net $8500, live comfortably but only one in daycare. Worry about a 2nd child.

Become a SAHM and save on having others raise your kid. Have the 2nd one.

We are very middle class, $150 hhi and net $8500, live comfortably but only one in daycare. Worry about a 2nd child.

Anonymous wrote:There is no way that we could do it - not with our current setup - would require a lot of changes.

Us too. Mortgage is $2800 and nanny costs us $3200. $1500 is not enough to feed us and put gas in our cars and clothe us.

Anonymous wrote:She IS saving thousands per month. $2,000, specifically.

Out of that $2,000, she has to pay for all her miscellaneous items: clothes, haircuts, birthday gifts. No money earmarked for anything other than a need. No specific college fund. She hasn't mentioned any savings for major home repairs. Car tax? There are lots of things she didn't mention that must come out of that 2K.

There is no way that we could do it - not with our current setup - would require a lot of changes.