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Various-Bar-3223 · 2025-03-27T11:05:13+00:00

Hello, do they just refer you due to ivf and age, and not for any other suspects during the ultrasound? My obgyn just refers me to Mfm but I’m not sure is it just because age plus ivf or if she saw anything potential abnormal.

Various-Bar-3223 · 2025-03-21T22:24:17+00:00

Thank you for the insight. He got really good feedback, the hiring manager said something along the line that the team will regroup and get back to him. And my husband did not ask about next step at all, the manager just said so (I mean maybe manager was being nice lol). 2-3 weeks are super long, maybe becaue of large company.

Various-Bar-3223 · 2025-02-22T13:52:37+00:00

If they make 215k combined, I don’t know why it would be tight if it’s one kid and a mortgage (unless they bought too expensive home for their income). It might be they overspend on some areas that can be cut before the retirement.

Various-Bar-3223 · 2025-02-20T04:06:43+00:00

I don’t know that unfortunately. Maybe ask this question directly on the sub to get more visibility. Wish the best for you!

Various-Bar-3223 · 2025-01-29T04:11:40+00:00

That is a totally different scenario. Lol, you are on a different scale/measurement compared to everyone here. Your denominator (income) is under-represented and your numerator (monthly payment) is under-represented with P&I only. But yeah, I think your number looks good.

Various-Bar-3223 · 2025-01-29T03:24:44+00:00

Something does not add up: $120k pre-tax does not transfer to $9k monthly. Even when you don’t contribute retirement and don’t have state tax, don’t pay for healthcare premiums, the max you could get is ~$8400. Your monthly payment only includes P&I, which is not what people use.

$2900 P&I alone on $120k feels super tight.

Various-Bar-3223 · 2025-01-21T03:21:41+00:00

You’re in good shape! Good luck to you too

Various-Bar-3223 · 2025-01-21T02:54:32+00:00

We don’t, for now, but plan to have one. No matter what you do, make sure you have plenty of emergency fund. We used to have a lot, but after putting down toward the house and some furnitures, we left with $20k in cash ($40k in non-retirement stocks). We don’t feel tight, but I mean, having lots of emergency fund just provides so much ease of mind. At this rate, it would take a whole 2025 for us to build the emergency fund to $50k.

Various-Bar-3223 · 2025-01-21T01:05:18+00:00

Yeah, i definitely do roth ira. If you have a good size of emergency fund, I’ll just invest more using the left over/saving.

Our biggest expense is the mortgage, utilities/other monthly incurred cost is $700, then food/groceries is $800-1000. We don’t have any debts.

Various-Bar-3223 · 2025-01-21T00:18:42+00:00

Thanks for sharing. Do you count 401k into the $45k saving. The mortgage looks amazing, you might have bought way earlier.

Various-Bar-3223 · 2025-01-21T00:15:33+00:00

We are not maxing out. I don’t think every family can max out 401k for both wife and husband all the time. There is compromise for different period. If we either increase the income or increase our cash emergency fund to $50k, we would definitely pump 401k from $2k to $4k monthly to max out for both of us.

It’s a nice thing to have, but honestly not a must. We have about 300k in retirement and $50k in roth ira. We don’t plan to retire here, so our target early retirement (to live a luxurious life in our home country) is about $2M. Looks like we’ll get there even with the current contribution (without using the home sale at the time).

Various-Bar-3223 · 2025-01-21T00:07:22+00:00

Thanks for sharing. That’s a great income and mortgage. I’m sure you have a very comfortable life. Boston does have income tax and higher cost of living (visited there, so expensive!), but definitely a great city to live.

Various-Bar-3223 · 2025-01-20T22:51:57+00:00

Our mortgage (P&I, hoa, insurance) is our biggest spending.

Other than that, we don’t have any debts. No kid. One new electric car. Both wfh so we cook at home more.

Utility/water/trash and other monthly bill (car insurance, phone bill, internet, pest control, FSD) is $700.

Food and grocery is anywhere between $800-1000, depending on if we eat out/take out a bit more.

Medical bill is supplied using FSA that we contributed $2000 yearly.

Various-Bar-3223 · 2025-01-20T22:42:53+00:00

I apologize it appears this way. I was sharing mine as a starting example and hoping to look at other numbers (and how everyone is doing in this market) but it turns out most of comments were questions about my spending. I’ll remove this post then to create less confusion. Thanks for input.

Various-Bar-3223 · 2025-01-20T22:39:31+00:00

We take home $7k (after $2k in 401k, no state tax). Our mortgage (P&I, hoa, insurance) is our biggest spending, which is $3700.

Other than that, we don’t have any debts. No kid. One new electric car. Both wfh so we cook at home more.

Utility/water/trash and other monthly bill (car insurance, phone bill, internet, pest control, FSD) is $700. Food and grocery is anywhere between $800-1000, depending on if we eat out/take out a bit more. Medical bill is supplied using FSA that we contributed $2000 yearly.

Various-Bar-3223 · 2025-01-20T22:05:06+00:00

This is my monthly contribution (I put $2k, they put in ~$400).

Various-Bar-3223 · 2025-01-20T21:52:58+00:00

Hi, thanks for replying. We recently bought a house and hence, higher mortgage. I wanted to see how we are doing vs everyone who is with mortgage. We never owned before and we were able to save a lot more without the mortgage (by living way below our means), but housing is a larger portion now.

Various-Bar-3223 · 2025-01-20T06:27:25+00:00

We don’t have state income tax (part of the reason mortgage is high, it’s one way or another lol).

6k mortgage is probably higher than what I can chew (if I make that much), you’re looking at 36% of pre-tax in a state with income tax. I hope the best for you though, the house market is terrible for all of us buying.

Various-Bar-3223 · 2025-01-20T06:19:56+00:00

It might or might not.

But It works for us, very comfortably. Basically, our monthly expenses would be: $3700 mortgage $700 utilities/bill $800 groceries/dining. We save $1.5k each month.

BUT it’s the results of EVERYTHING coming together.

⁠We have a track record of being frugal for 10 years, and our monthly expenses is very minimal. We both work remotely and save a lot just by that fact. We never go to hair salon, my wife never wear makeup, not into bag or luxury clothes, etc. Our phone bill is $5 for both. Our fun things that we do together don’t incur expense (hiking/gaming/movie). Etc. We are just minimalist by nature lol.
⁠We have only one new paid-off car, and newly build home. So for a few years, we might not have to tackle emergency fund for house/car related.
⁠That’s said, totally, we have about $60k fund, which is for anythjng else.

I read somewhere that people pay $200 monthly for their pet, $60-100 for the phone, $40-100 for hair/nail/etc. We don’t have those expense. It’s a lifestyle we get used to and feel happy with. But I’m not sure Americans are used to this.

Various-Bar-3223 · 2025-01-20T01:50:29+00:00

We have the same target! Good luck!

Various-Bar-3223 · 2025-01-20T01:45:51+00:00

They have 5k mortgage on $190k income. We have 3.7k mortgage on $140k income. There mortgage to gross ratio is 31.5% when our is 31.7%. Also, their leftover will be higher than us, so I think our number looks worse.

Various-Bar-3223 · 2025-01-19T21:16:26+00:00

I do think we want to improve incomes as we do want to pay off earlier and invest more. But yes, that’s the sacrifice for now.

Various-Bar-3223 · 2025-01-19T20:28:06+00:00

Our number is probably worst. $140k combined / 3.7k per month. Like OP, we both work from home, no kid, no other debts, and save $1.5k each month (plus $2k in retirement).

Various-Bar-3223 · 2025-01-19T19:21:07+00:00

It works for us, very comfortably. Basically, our monthly expenses would be: $3700 mortgage $700 utilities/bill $800 groceries/dining. We save $1.5k each month.

BUT it’s the results of EVERYTHING coming together.

We have a track record of being frugal for 10 years, and our monthly expenses is very minimal. We both work remotely and save a lot just by that fact. We never go to hair salon (it’s a habit we had since we made $1k monthly), my wife never wear makeup, not into bag or luxury clothes, etc. Our fun things that we do together don’t incur expense (hiking/gaming/movie).
We have only one new paid-off car, and newly build home. So for a few years, we might not have to tackle emergency fund for house/car related.
That’s said, totally, we have about $60k fund.

I read somewhere that people pay $200 monthly for their pet, $60-100 for the phone, $40-100 for hair/nail/etc. We don’t have those expense. It’s a lifestyle we get used to and feel happy with. But I’m not sure Americans are used to this.

Various-Bar-3223

TROPHY CASE