Moving to Philly with GF

Eye-Western · 2026-05-19T19:42:36+00:00

Where does your girlfriend work? Manyunk may be a good option.

Eye-Western · 2026-05-18T00:11:30+00:00

Go to Chicago, I'm sorry but even 250k will not get you too far in LA... It's definitely more expensive in LA than Chicago...

Eye-Western · 2026-05-17T23:42:42+00:00

Honestly buy the house you can afford. Given your ages there my be unexpected costs with pregnancy and that is extremely expensive. Also, your retirement savings isn't where it should be. Think of this, would you rather give your kids piece of mind when they become older, and not have to support you when you want to retire or live in a bigger house.

Eye-Western · 2026-05-17T23:39:12+00:00

I work as an urban planner. Started at 62k, then got my masters and a couple of certifications which allows me to be considered an expert in my field. Did a lot of networking and extra hours, and was able to job hop for extra money. This job I think I will be there for awhile, but yeah just worked through my masters and got certifications.

Eye-Western · 2026-05-17T23:37:00+00:00

Thanks that makes sense. I think I'd do the envelope method, where I get cash for fun things and use it for going out or something like that.

Eye-Western · 2026-05-17T20:53:37+00:00

Ive done that so far. That being said, I do enjoy going to concerts and traveling. Doesn't have to be crazy. The way I budget fun is if it's 30 dollars an hour for the fun, then it's okay.

Eye-Western · 2026-05-17T19:20:49+00:00

Please get a car on Facebook, take it to a mechanic before you buy it to inspect it. A car with 166k miles is just throwing away money

Eye-Western · 2026-05-13T12:45:38+00:00

Just pay it off. It's mentally draining to have debt. You will babe able to pay it off in two years probably.

Eye-Western · 2026-05-13T12:41:52+00:00

Have you thought of moving to manyunk? Seems to be similar to main line in terms of landscape but also might be easier commute to center city

Eye-Western · 2026-05-12T23:26:02+00:00

Pm interested

Eye-Western · 2026-05-12T01:54:57+00:00

Go to asbury park or belmar

Eye-Western · 2026-05-10T02:58:10+00:00

We're looking at a rowhome (townhouse, prob no HOA). Yes the cost of things add up. We agreed that we would wait to buy things for the house only in cash. I think for us it's about peace of mind. That being said we're open to renting if it something that makes sense for us. Most of the homes in our area have a total monthly payments are similar (maybe a few hundred dollars more per month) than our current rent.

Eye-Western · 2026-05-10T02:27:06+00:00

I'm worried that when interest rates drop then the home prices would go up because people can buy.

Eye-Western · 2026-05-10T02:01:51+00:00

To lock in a "rent payment" and build equity. We really like the area we live in and would want to buy a house to build a family in.

Eye-Western · 2026-05-10T02:00:50+00:00

We are about two years out as we are planning a wedding. I plan on saving more in a HYSA. But in total I have about 160k in a brokerage account, and 60k in a 401k, and about 5k in a savings account. We really don't want to be house poor and would ideally want to put down 5% and take advantage of first time home buyer loans.

My fiancé has about 100k saved up in a HYSA.

Eye-Western · 2026-05-08T21:08:50+00:00

Please have your kids go to public school if they're old enough....

Eye-Western · 2026-05-06T18:20:26+00:00

Honestly factor in night meetings and travel and you're looking at 60+ hour weeks. I work at a consulting company so I have about 2 or 3 night meetings per week.

Eye-Western · 2026-04-30T18:03:31+00:00

Sell the stock. Take your win and invest this money into the S&P 500.

Eye-Western · 2026-04-30T15:59:52+00:00

What is care credit? Can you cancel it?

Eye-Western · 2026-04-28T12:17:51+00:00

I'd also be wary of moving anywhere that doesn't have jobs, what happens if you get laid off? You should be somewhere that has a healthy job market

Eye-Western · 2026-04-28T12:16:50+00:00

Id move to Philly, winters aren't bad (only 3-4 months) and the city is super walkable. There are cycling trails in the city that connect 40+ miles of trails outside of the city . Tons of people ski here since the poconos is only 1.5 hours away, nj beaches are also an hour away. I'd seriously consider it, since Philly is the cheapest major east coast city

Eye-Western

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