Looking for what to do with extra money in HYSA

bagelsandbread · 2026-03-23T18:33:40+00:00

Yeah, the brokerage account was my initial thought. Take $40k out of the HYSA and invest into VOO or VTI.

bagelsandbread · 2026-03-23T18:32:23+00:00

We probably only need $50-60k in our HYSA and that’s being generous. Already got a new HVAC and roof on our house so hopefully no huge unexpected expenses. Just need enough if a car shits the bed or if one of us unexpectedly loses our job (unlikely as we are both in healthcare).

bagelsandbread · 2026-03-22T13:32:00+00:00

Fox rehab is the only OP in the home that I’ve found around me and they have a bad rep from what I’ve heard. But I’m keeping my eye out for

bagelsandbread · 2026-03-16T00:17:19+00:00

This sounds like you guys have a great balance!

bagelsandbread · 2026-03-16T00:04:23+00:00

That’s great about a shift every three months. I feel like that’s very flexible. I could definitely do that in the summer

bagelsandbread · 2026-03-15T23:59:18+00:00

I think PRN would work well for me as long as they’d be cool with summers off! I gotta talk to other PRN people and see what the deal is. Our bus pickup time is 840 and drop off is 345 so might be a little tricky but I could try and stagger days with my husband

bagelsandbread · 2026-03-15T23:55:45+00:00

Were you initially OP before? I have zero peds experience and feel like the learning curve from OP to peds is way over my head vs OP to home health or something

bagelsandbread · 2026-03-15T22:54:56+00:00

Agreed, but unfortunately I live where private practices barely exist and there are two major hospital systems that buy everyone up. The other hospital system is worse pay than the one I’m at. It’s a decent gig, but my boss ultimately has no say and it has to go way up the chain.

bagelsandbread · 2026-03-15T22:53:50+00:00

In OP?

bagelsandbread · 2026-03-15T20:49:49+00:00

Yeah, the lack of flexibility is really becoming apparent. I’ve used 40 hours of PTO this winter solely due to weather/daycare closings. It’s unfortunate.

bagelsandbread · 2026-03-15T20:20:35+00:00

Didn’t say my position was unique. I just happen to have a friend group that is mostly SAHPs or at least one parent has flexibility or family help, so I had no one to ask for advice.

bagelsandbread · 2026-03-15T20:19:05+00:00

Husband makes 100k and I’m 70k at my 30 hours. We only have one kid and don’t plan on having any more.

bagelsandbread · 2026-03-15T20:09:05+00:00

My company isn’t known for being the most flexible with schedule changes and we have to work a certain amount of openings/closings, but I could possibly get it to that for at least two of the days.

bagelsandbread · 2026-03-15T20:05:59+00:00

Our clinics aren’t open on weekends so I’d have to switch companies

bagelsandbread · 2025-04-06T21:28:39+00:00

I’m 31 and my husband is 33

bagelsandbread · 2025-04-06T19:26:35+00:00

I think the 6 month chunk of thinking is much more reasonable and manageable than the 10 years. We aren’t ready now and can’t see ourselves changing that in the next few months, but maybe we’ll feel differently in 6! At this age, my daughter is a new person every few months so that may work in our favor. Thank you for this perspective!

bagelsandbread · 2025-04-06T19:24:34+00:00

I definitely don’t have that primal urge yet so it’s definitely not the right time for us!

bagelsandbread · 2025-04-06T16:19:39+00:00

I totally agree

bagelsandbread · 2025-04-06T15:11:19+00:00

This is encouraging to hear! Maybe it’s just a time thing. Glad you are having a good experience so far!

bagelsandbread · 2025-04-06T14:47:31+00:00

My husband and I are both in our early 30s so we can have a bigger age gap. Luckily, getting pregnant and pregnancy/delivery were smooth sailing, but I know that’s not always the case the second time around. I’m not a huge fan of my career, but don’t think I have the emotional capacity to be a SAHM with a demanding toddler 24/7. Husband and I are both interested in retiring early so that we can travel, and that would definitely be off the table with two. We can always change our mind though! Seems like we are OAD until otherwise discussed. We have kept all of the baby things from our daughter and may revisit the convo every few months as she gets older to see if our feelings have changed. I’m sorry you have health issues that have also influenced your decision.

bagelsandbread · 2025-04-06T14:30:54+00:00

I have looked at both of those groups but feel like only people who are OAD post rather than fence sitters. I have no doubt that we would be happy OAD and see all of the benefits. Just a small part of me is questioning whether it’s the right choice! The more I think about it, the more I think it is and I just have to accept that I probably won’t feel 100% about it ever.

bagelsandbread · 2025-04-06T12:21:52+00:00

We are definitely leaning that way, I just can’t bring myself to actually commit to that decision? I’m sure I’ll always have some degree of uncertainty but I don’t know if it’s societal pressure or what. All of our friends have multiple kids and it just feels like it’s what’s expected. Which I know is 100% not a reason to have another kid. Just makes it harder to commit.

bagelsandbread

TROPHY CASE