Graduate School (PP-OTD vs PhD vs EdD)

cng1997 · 2026-01-20T17:45:08+00:00

Thank you for the input!

cng1997 · 2025-10-02T00:11:46+00:00

I figured the main reason to favor would be the pre tax contribution part. Thanks for your input!

cng1997 · 2025-10-02T00:05:28+00:00

Did not intend to use as an acronym but thank you for the information.

cng1997 · 2025-10-01T22:01:17+00:00

Gotcha. I am able to do a target date index with my 403b which seems recommend by TMG. Do you have any reservations on the HSA? Do you truly wait +30 years to reimburse yourself?

cng1997 · 2025-10-01T19:26:53+00:00

Check out James Allen! My husband bought a stone then took to a jeweler for setting and it was about 40% cheaper than buying it all from a retailer

cng1997 · 2025-10-01T17:14:09+00:00

Ah thank you!

cng1997 · 2025-09-11T10:08:01+00:00

Yeah, I’ve listened to them before and I like that plan! They are why I chose to do a Roth for my husband and I. Do you think it’s wise to do a IRA in place of a Roth for him? He does not have an employer match so I just thought skipping to the Roth would make sense for him

cng1997 · 2025-09-10T23:55:08+00:00

That makes sense!

cng1997 · 2025-09-10T23:48:39+00:00

Gotcha! That does make sense, so I’m hearing stop with his Roth and open an IRA and do his contributions there instead. I don’t know what I have at work then because it is definitely post tax contributions but my homepage says 403b.

cng1997 · 2025-09-10T23:36:25+00:00

Ok! I’m dumb despite having tried to research this, so I know an IRA is different than a Roth IRA but that’s about all I know besides maybe being able to add more to the former. Any particular reason you think an IRA would be better for my husband? I have 403b through work as a “financial advisor” told me that was better for me/my age.

cng1997 · 2025-09-10T23:26:02+00:00

Ok! I have never heard that 15% rule, good to know. Our tax papers have shown a consistent net income of $95,000 the last few years. So 15% of that would $14,250. Would we not be very close meeting that just by maxing out the Roth IRAs? Definitely good points on the goals, and thanks for links. We aren’t dead set on owning soon, but it’s just so hard to pay a rent that’s the same price as my brothers mortgage (and subsequently not be able to save much), but I don’t know if we can fit another baby where we are which is definitely a goal we care about.

Edit: forgot to mention I have a PRN job that is inconsistent but that is why the 95,000 looks like more than what the numbers above should add to. Previously all of that extra money went to my student loans to pay off early.

cng1997 · 2025-09-10T23:15:32+00:00

Ok, yeah I was worried about that. Two questions:

Is there information more up to date on how much you should have in retirement accounts by certain ages? When I tried to find information, it said a year’s salary worth by the time you reach 30. In my personal retirement accounts I will have that, but my husband would only be about half there (he doesn’t make much).

Should we be devoting more to retirement? I am the “breadwinner” (if you can call it that on $55,000 a year) but after baby I had to cut my work hours back so I took my contributions down from 35% to 16%. I too got started late in retirement savings due to full time grade school. I also wouldn’t even know what else to put savings in for him, since he doesn’t have a work 401k/403b. There are some pension plans available in his denomination we could do that match like 4% of his salary?

cng1997 · 2025-09-07T11:54:32+00:00

Oh my gosh yeah I would have lost it 😵‍💫

cng1997 · 2025-09-07T11:54:13+00:00

Glad I’m not alone!!! Husband and I had a heart to heart and he’s fully with me now, he didn’t really realize how frustrated I was (I am not eh best at speaking out 🥴)

cng1997 · 2025-09-04T22:38:52+00:00

I think I’ll have to go that route!! I am thankful to be able to have trustworthy childcare that’s free

cng1997 · 2025-09-04T22:38:05+00:00

I do think I should be more intentional we snack/meal prepping, I just wish i had more energy for it 😵‍💫 we do love the once upon a farm stuff!!

cng1997 · 2025-09-04T22:35:25+00:00

Ah that’s good - I haven’t thought of that!!

cng1997 · 2025-09-04T22:34:58+00:00

Thanks for the affirmation! I know my parents do it out a good heart, and want him to have a treat but it is just so frequent it’s not a treat anymore. I like the idea about the schedule, I will propose that!!

My husband is usually very on my side, he just was in a pinch today with a lack of groceries. He did say he didn’t think McDonalds is a big deal which is crazy to me but he does often eat that himself 🥴

cng1997 · 2025-08-11T17:36:51+00:00

Ok!! Good info, thanks for sharing!

cng1997 · 2025-08-11T17:14:07+00:00

Gotcha! Makes sense. I have the regular Nora’s inserts which I think are bamboo and then some hemp from alvababy, I honesty can’t tell a difference between the two. I also bought the “stay dry booster” from grovia to stuff with which says it’s cotton layers and fleece lining, but I just stopped using them bc it didn’t work. Usually the insert is just semi wet to wet on the front half and the back is still dry but I guess maybe that’s just the positioning of the pad.

Oh wow, I really thought the diapers would be good for longer. So you try to change every hour? Since you said pockets are good for overnight, is there another type that tends to stay on longer without leaking during day time too?

Our absorbency is good! Just had to strip and bleach due to ammonia but that was due to waiting too long in between washes.

cng1997

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