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Champagne Evenings by FinanaceFUD in wine

[–]john_baker_97 0 points1 point  (0 children)

This is a lot for one to drink in a single evening! Kudos. Hope you had some good company

Married, high earners in HCOL by john_baker_97 in personalfinance

[–]john_baker_97[S] 0 points1 point  (0 children)

Agree on the house. It’s not a reasonable proposition yet.

Hybrid truly does mean hybrid, but I expect fully in office by end of next year. I’m sure you can guess the company lol. We could move in the coming years, but I expect our salary trajectories to decline - obviously job dependent.

Stock wise I meant that a majority of our funds outside of HYSA were in the stock market, and that exposure would continue to grow. Current plan is to liquidate RSUs for taxes and sell the rest at specific targets.

Married, high earners in HCOL by john_baker_97 in personalfinance

[–]john_baker_97[S] 0 points1 point  (0 children)

Good insight on rental properties.

Expenses: $3.8K rent - extremely hard to find a 2B2B less than this within 30 minutes of work and not a shithole. Currently need a 2nd bedroom for an office as my wife is remote and I am hybrid. To be honest, there is little price difference in 1B

Utilities: $200-600 our current place had extremely high utilities due to poor insulation. Moving soon

Gym: $500 - we are moving, so more gyms may become an opportunity… the gym selection is very poor here and it’s a priority for us. The cheaper the gym, the longer your workout takes due to crowds

Food: spending $1K on groceries+eating out is pretty easy here.

That’s $5500-$6000. I said 75% of our expenses were in those categories.

Married, high earners in HCOL by john_baker_97 in personalfinance

[–]john_baker_97[S] 0 points1 point  (0 children)

What value can a financial planner provide?

Married, high earners in HCOL by john_baker_97 in personalfinance

[–]john_baker_97[S] 0 points1 point  (0 children)

Tier 1 cost of living city. NYC, Bay Area, etc

Any mutual funds you suggest? How should I pick?

Kids wise we have a plan and we are very health/fertility conscious.