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Posted on 12/21/23 at 10:03 am to fareplay
I own my own home with 2.625% interest rate and my car is paid off 
Posted on 12/21/23 at 10:03 am to StrongOffer
The mortgage rates of 7.5% today weeps
Posted on 12/21/23 at 10:03 am to el Gaucho
quote:
Not really if you have a good wife
It doesn’t really cost extra to have another person living in the house but women these days are only happy if they’re spending money
With the cost of daycare these days, I don't see how both parents could work with 3-4 kids.
The cheap arse daycare here is $1200 month. Probably the same or worse in other areas.
Four kids = $4800 per month in daycare.
This post was edited on 12/21/23 at 10:05 am
Posted on 12/21/23 at 10:04 am to LSUcajun77
Thank you sir!
Posted on 12/21/23 at 10:04 am to i am dan
No parent unless super wealthy or have huge support should have 4 kids in todays age lol feels irresponsible
Posted on 12/21/23 at 10:05 am to i am dan
quote:
With the cost of daycare these days, I don't see how both parents could work with 3-4 kids.
It's damn near impossible. Our last one is on his last year, thankfully.
Posted on 12/21/23 at 10:05 am to LSUcajun77
quote:
start a career, put money into your retirement now. The system is built to hold you back. Be patient and break it.
I would like to have a serious conversation about retirement. Is it actually beneficial going forward to put a lot away for that? Seems like a waste in the long run.
Posted on 12/21/23 at 10:05 am to BoogaBear
quote:
I sold my 600k house in a neighborhood and moved to a double wide on 20 acres.
frick the neighborhood life.
Hell yea brother!
I just threw my iphone in the trash and sold all my possessions to live in the woods with just a tarp.
Kids these days are so frickin soft.
Posted on 12/21/23 at 10:05 am to fareplay
You millennials always forget to factor in the fact y'all's ability to sell beehole and feet pics online for a gazzilion dollars. No other generation had that opportunity when they were young.
Posted on 12/21/23 at 10:06 am to fareplay
Just turned 35 a few days ago.
Bought first house 8 years ago, always had roomates that paid.
Got married in 2019 and we bought second house together 4 years ago.
Second kid on the way.
Modest income, but not obsessed with expensive things or hobbies.
We have a great quality of life and make improvements to our home as we can.
I can't imagine this:
You need to address this with higher income or move asap.
Sounds like you may need to rent a room from someone for $500/month.
OP: I was a teacher from 2014 to 2023. It's not that hard
Bought first house 8 years ago, always had roomates that paid.
Got married in 2019 and we bought second house together 4 years ago.
Second kid on the way.
Modest income, but not obsessed with expensive things or hobbies.
We have a great quality of life and make improvements to our home as we can.
I can't imagine this:
quote:
60% of post tax going to rent on average, damn.
You need to address this with higher income or move asap.
Sounds like you may need to rent a room from someone for $500/month.
OP: I was a teacher from 2014 to 2023. It's not that hard
This post was edited on 12/21/23 at 10:09 am
Posted on 12/21/23 at 10:06 am to BigPerm30
Oh yea, it's brutal. The stress is overbearing, especially when something happens and the savings go to zero. It's incredibly difficult.
I'm blessed in that I can do it. My wife is raising our children, which is what I've always wanted. I dont sleep any. I constantly panic. A pay cut would be financially devastating right now. Getting fired would put us at risk of losing the house if I couldn't find work quick enough.
You just gotta work hard and pray hard and hope you come out the other side with good kids who will make the world a better place.
But the reality is that it is exceedingly rare for mothers to stay home these days. It's the most important job in the country IMO, and it's too damned difficult to do. The government should be incentivising THAT, not popping out fatherless children.
/rant
I'm blessed in that I can do it. My wife is raising our children, which is what I've always wanted. I dont sleep any. I constantly panic. A pay cut would be financially devastating right now. Getting fired would put us at risk of losing the house if I couldn't find work quick enough.
You just gotta work hard and pray hard and hope you come out the other side with good kids who will make the world a better place.
But the reality is that it is exceedingly rare for mothers to stay home these days. It's the most important job in the country IMO, and it's too damned difficult to do. The government should be incentivising THAT, not popping out fatherless children.
/rant
Posted on 12/21/23 at 10:06 am to LSU1SLU
quote:
I would like to have a serious conversation about retirement.
quote:
Is it actually beneficial going forward to put a lot away for that?
quote:
Seems like a waste in the long run.
Posted on 12/21/23 at 10:07 am to fareplay
Yes, there are society wide factors making it more difficult for our generation to financially hang on than for those that preceded us
But hands down, the single biggest impediment to millennial financial growth is millennial culture. We are not a disciplined generation (in aggregate obviously, not every individual). And I don’t think anyone can honestly claim otherwise
But hands down, the single biggest impediment to millennial financial growth is millennial culture. We are not a disciplined generation (in aggregate obviously, not every individual). And I don’t think anyone can honestly claim otherwise
This post was edited on 12/21/23 at 10:24 am
Posted on 12/21/23 at 10:07 am to jclem11
lol
Posted on 12/21/23 at 10:07 am to fareplay
Hey man, frick you. Those are the people who should be having more kids.
Posted on 12/21/23 at 10:08 am to BoogaBear
quote:
2 are police officers. Make 70ish
My dad I mentioned, 70k stock manager at big box store.
Scrum master for a financial institution, no degree, 80kish
Salesman for industrial lighting, closer to 100k
Logistics coordinator for a power company, 70k
In 2010, I was working for a local municipality while in college and I made 36k....cutting grass
It's pretty dang easy to make more than 40k per year.
You ask them how much they make or they tell you? Ya'll sit around the living room and talk salaries? What?
If someone tells me how much they make, and I don't care if it's a lot or a little.. I would walk away. I don't talk personal finance. My parents have no idea how much my wife and I make.
Two people in this world know my salary. My boss and my wife. I don't even know for sure. I make enough and that's all good with me. My wife is an accountant so she handles all that.
This post was edited on 12/21/23 at 10:10 am
Posted on 12/21/23 at 10:08 am to jclem11
All the shift work millennials are getting butt hurt
Posted on 12/21/23 at 10:09 am to LSU1SLU
I'm going to put just what my company will match in mine and I'm investing the rest in other ventures. I dont trust the government to not frick with 401ks before I get old enough to use mine.
Posted on 12/21/23 at 10:09 am to fareplay
quote:
Average millineal salary by census is 47k
I live in a damn Alabama and I legit don't think you can make that little unless you're trying to use your useless degree in some way. Like a librarian. The company I work for is throwing money at people trying to get them to work, and with overtime would be double 47k, without it 60k. But I guess working with your pussy soft hands is out of the question. Keep holding out for that management position, I'm sure it'll come
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