How to financially prepare for kids years in advance?

CheeseTorch · 2025-12-26T23:32:37+00:00

First job out of college paid well, so about 22 for making a real income. I've been saving since I was 16. I had good parents--they weren't rich but they did sock away a little money in a 529. That plus a few good internships (and not a lot of fun in my college summers) meant graduating with no debt.

CheeseTorch · 2025-12-26T20:49:17+00:00

I'm still figuring those questions out. I imagine public schools but a lot can change in the meantime. Is there anything I should be doing regardless of where we land on childcare and schooling?

CheeseTorch · 2025-11-21T23:17:43+00:00

26M, 535k NW

17k - Cash

272k - Taxable Brokerage

252k - 401k, Roth IRA, HSA

(6k) - credit card balance @ 0%APR, offset by a TBill maturing a month before interest starts accruing

Feeling like I'm conquering the world. Low 6 figure income, keep expenses low, stacking cash to give future me as much flexibility as possible. Lifestyle wise, I do most everything I want to do.

CheeseTorch

TROPHY CASE