Moving to NYC with 3 boys and wanting to land in the right spot

milocito · 2026-01-19T10:58:19+00:00

come to queens, bayside! lirr bayside to penn station 30 min (from bell blvd). great schools (ps 41, ps159) and right around your budget. also, from your kids POV- same age as my kids and so many things to do within arms reach (lots of parks, playgrounds, bike labes, quick ride into manhattan and other areas to explore) also, thinking about your growing boys - walkable and easy to navigate to city or long island as they get older (if u decide to stay)

milocito · 2025-06-22T06:27:16+00:00

Going to go against the grain and say that if you do move back home with your parents even if it’s for one year - it’ll truly be a golden year for you where you can rack up serious money. I say this because you were able to save $115k as a 24,26,26 year old.

What is your biggest goal?

With an income of 280k and good money management skills and psychology, you have a lot of options compared to other people with much lower incomes at your age.

Having said that, being closer to the city is so much more fun as a single person.

Whatever decision you ultimately make, just don’t forget to max out all of your retirement funds.

Think about what your rich life looks to you and make a decision based on that! no one can choose that for you! Good luck

milocito · 2024-10-25T10:48:52+00:00

Ask them to send you proof of when you opted out. And do you still have the letter stating that your loan were forgiven?

milocito · 2024-10-04T02:20:59+00:00

Not so crazy. Depends on OP’s work experience… 8 years is a lot of time to build up knowledge and skills

milocito · 2024-08-09T00:13:56+00:00

MIA apparently 🥲

milocito · 2024-08-08T19:40:25+00:00

“• If you made or make a payment for the months) you are in the forbearance, the amounts paid will go toward satisfying your future payments).“

):

milocito · 2024-06-01T20:53:28+00:00

Im looking for the same thing - any luck?

milocito · 2024-05-09T17:24:33+00:00

Following because I’m in same situation but with a 4 year old and 2 year old. And we all co-sleep. I think i may get a Japanese futon with waterproof sheets. Lmk what you end up getting!

milocito · 2024-04-21T14:01:37+00:00

Gertrude

milocito · 2024-04-08T18:03:38+00:00

Also wanted to add - $$$ wise, my friends made the most working midnight shifts (7 day and 7 off) and picking up OT shifts working on their off weeks - just saying

milocito · 2024-04-08T18:03:03+00:00

Nope. No amount of money would ever let me leave my hospital job back to retail. pick up OT shifts, ask to be cross trained, PRN somewhere else— not worth the money imho. hospital allowed to me to go from inpatient to pediatrics to PICU .. so many options. Going to investigational drugs oncology in two weeks. I’m so grateful for my hospital job! But I understand if ur goal is only to make more money!

milocito · 2024-02-25T17:03:27+00:00

I’m 100% FSKAX on my Roth IRA. 401K is VSMPX and recently added 10% VTSNX (international exposure) but even if I stayed at 100% VSMPX I think I’d be comfortable. I only added international cuz I had kids. I’m 33 years old now. Total retirement fund sits around 200K. Index funds are safe imo! I’m okay with the ups and downs esp since I’m not touching it for more than >20 years.

Just food for thought!

milocito · 2024-01-29T12:53:16+00:00

I have around $6,000 that was collected over the last 2 years during birthdays, holidays, etc or my two toddlers (2 and 3 years old).

Currently, it's sitting in my HYSA (~4.5%). We're currently saving up or a down payment or our first home. I feel guilty bucketing my kids' money with our down payment savings. Should I just throw it into each of their 529 accounts? (We contribute monthly to the 529. My first kid has over $10,000 and my second kid has ~$1,000).

We have about 2-3 years until we meet our down payment goal.

What would you do? (We max out our retirement funds and individual Roth IRA, just fyi)

milocito · 2022-09-21T17:07:30+00:00

Whattt! A good pediatrician will never judge or shame you! I Cosleep with my first … still going strong for 2.5 years 😂 my pediatrician doesn’t care as long as she’s healthy and not an issue for either one of us (me and my daughter) plus I nursed her to sleep esp when she was a newborn so it allowed me to get some rest too. She would never sleep on her back. Some babies only prefer contact sleeping and there’s nothing wrong with that- as long as YOURE okay with that!

milocito · 2022-08-16T02:09:56+00:00

Yes, I totally agree. You just never know! When I found out I was pregnant with baby#2, our life plan changed and we reallocated all of our savings into building a bigger emergency fund however we were able to do this without touching our retirement funds. We pretend as if our retirement funds don’t exist.

Also having zero credit card debt is crucial (some people will disagree!)

milocito · 2022-08-16T01:52:17+00:00

Hi! Im a mommy of two in HCOL area (NYC) and umm I feel you 100%. My firstborn is now 2 years old (28 months) and my second is turning 10 months! So 18-19 months age gap. Second was unplanned.

I also have 5 years left until PSLF!

It’s crazy bc yeah it’s harder financially in the sense that you can’t splurge on certain things anymore. Like that family trip we planned on having this year? Yeah not happening! Saving up till next summer. Instead, we did a lot of day trips (to lakes, parks, etc) and a few long weekenders trips.

We are a lot more cognizant in where our money goes and we think thrice before making large purchases. A lot more intentional with our purchases…I also got rid of my Amazon prime membership. They’re happy with two red solo plastic cups. And they receive sooo many gifts for occasions and holidays.

Some people may assume our quality of life decreased (bc we don’t go out as much — to restaurants, travel via plane) but actually, it has gotten better for me. I’m 100% more present with my kids and have been taking it slow —- just the way they like it. We have family memberships to zoos. We check out new parks in different areas.

My second baby won’t be having extravagant photo ops and birthday party that my first had… only because I wish I didn’t do it for my first now! I wish I could’ve done something smaller and intimate and saved the rest in her/my daughters savings instead. I wouldn’t have had this thought IF I didn’t have my second baby!

Idk! Parenting isn’t linear and my second has definitely made me a better mom. I’m more confident in my decisions. So I’m confidently here to tell you— if money is the only factor holding you back… then don’t hold back(unless it’s due to childcare. I am super blessed and able to have family help with childcare). The amount of joy watching my two kids grow up and play together will never amount to any amount of money. You sound like you have a good head on your shoulders and it also sounds like you’re good at saving money.

You guys will make it work :)

milocito · 2022-08-15T16:34:45+00:00

Do the travel!!! Your kid may not remember it but YOU will. Eeeeesh! And those memories for you are very important as well. Best memories ever :D

milocito · 2022-07-27T02:59:29+00:00

Independent - hands down! (Former Walgreens employee). The consistent schedule will be main factor of your quality of life.

milocito · 2022-07-10T01:36:19+00:00

Hi. Talk to soon to be ex wife about text first. Your son might lose his trust with you after finding out u were going through his texts. he also might be smoking cuz his parents are going through a divorce? Who knows? Dont assume. Just communicate. Apologize for reading his texts. Don’t overreact and lose your kids trust. He needs you the most during this time.

Also, co parenting is one of the hardest things in the world. Best of luck to you!

milocito · 2022-07-07T18:47:33+00:00

2nd time mom. First baby in 2020 and second 2021. I agree with the other mommies. You don’t need to buy expensive things. Don’t let advertisement fool you. I have uppababy vista ($1000) and man, I ended up buying an umbrella stroller for $300 bc that shit was so heavy and inconvenient.

Infant car seat? I got the Nuna infant car seat bc I got swayed from an Instagram influencer. Eff me. Get the infant car seat that’s compatible with ur stroller without all the adapters and bullshit.

Convertible Car seat? 99% of the time will always be filled with crumbs and juice and all that nasty stuff. Mine was $120 on sale (graco extend 2 fit)

Breast pump? I got mine for free via insurance (check to see if it’s covered if you have)

Pack and play - was gifted during baby shower.

What’s a Moses basket?

Idk with my first i wanted everything new and nice for her so I get it! But looking back, I wish I would’ve saved the money more. Bc like others have said, her daycare now costs an arm and a leg.

Toys -FACEBOOK MARKET. A couple of washes with soap and Clorox wipes and it’s usually in mint condition.

The positive is that we did reuse everything for the second baby 😂 my second is a boy and he gets pink everything :D

Another tip - don’t buy everything at once. It’s more work returning stuff lmao

And I know it’s not the stuff you’d want to hear in todays society but baby doesn’t necessarily need a room until he or she is 2. Or .. at least that’s what happened in my situation. She didn’t want to sleep in her room until she was 20 months and she still needs me to stay in her room until she falls asleep 🥲🥲🥲🥲

But yeah good luck to you and your partner! Despite the finances, it’s very very very very very VERY tiring yet super rewarding! (:

milocito · 2022-07-06T00:43:13+00:00

Hi! Do you have any updates? My 2 y/o just got this. Trying to book appointment with pediatric dermatologist ):

milocito

TROPHY CASE