[Scarlett]

Excellent info, thanks Bearishgurl, Sduuuude, UCGal! Many thanks. I am convinced we will give at least a good look. Commute would be so easy to La Jolla from there. And we could find a decent home for our price range.

I got it about the retired people, and I am absolutely fine with that. I have young kids but hopefully there will be some kids on the block.

I’ve looked online at some listings in the nicer areas and most like a good value on paper. plus no HOA or MR. And I like that there are no cookie-cutter houses. Of course, nothing beats seeing them in person.

the biggest issue remains schools, we’ll either go with Muir or others, public ones, that decent (which are???), or hopefully choice in La Jolla or UC schools.

Also,I noticed that the inventory is not so bad, compared with for example, Rancho Penasquitos.

[Scarlett]

[quote=AN]
Regarding $4k saving, like I said, I doing it every month and I make less than $150k. I go on vacations, fancy dinner once a week, lux car payment, etc.[/quote]

Do you mind telling us how much you’re paying for housing?
Is your income from 2 working people or 1?
How many people/dependents in your HH?
( I am just trying to estimate your NET income – and on how big of a HH).
How much is your car payment?

I am trying to figure out in what areas of expenses we differ, to understand why I can’t save 4K, even though our HH income is more than 150K. And since you started mentioning these numbers and expenses…

thanks.

[Scarlett]

[quote=AN]
Regarding $4k saving, like I said, I doing it every month and I make less than $150k. I go on vacations, fancy dinner once a week, lux car payment, etc.[/quote]

Do you mind telling us how much you’re paying for housing?
Is your income from 2 working people or 1?
How many people/dependents in your HH?
( I am just trying to estimate your NET income – and on how big of a HH).
How much is your car payment?

I am trying to figure out in what areas of expenses we differ, to understand why I can’t save 4K, even though our HH income is more than 150K. And since you started mentioning these numbers and expenses…

thanks.

[Scarlett]

[quote=AN]
Regarding $4k saving, like I said, I doing it every month and I make less than $150k. I go on vacations, fancy dinner once a week, lux car payment, etc.[/quote]

Do you mind telling us how much you’re paying for housing?
Is your income from 2 working people or 1?
How many people/dependents in your HH?
( I am just trying to estimate your NET income – and on how big of a HH).
How much is your car payment?

I am trying to figure out in what areas of expenses we differ, to understand why I can’t save 4K, even though our HH income is more than 150K. And since you started mentioning these numbers and expenses…

thanks.

[Scarlett]

[quote=AN]
Regarding $4k saving, like I said, I doing it every month and I make less than $150k. I go on vacations, fancy dinner once a week, lux car payment, etc.[/quote]

Do you mind telling us how much you’re paying for housing?
Is your income from 2 working people or 1?
How many people/dependents in your HH?
( I am just trying to estimate your NET income – and on how big of a HH).
How much is your car payment?

I am trying to figure out in what areas of expenses we differ, to understand why I can’t save 4K, even though our HH income is more than 150K. And since you started mentioning these numbers and expenses…

thanks.

[Scarlett]

[quote=AN]
Regarding $4k saving, like I said, I doing it every month and I make less than $150k. I go on vacations, fancy dinner once a week, lux car payment, etc.[/quote]

Do you mind telling us how much you’re paying for housing?
Is your income from 2 working people or 1?
How many people/dependents in your HH?
( I am just trying to estimate your NET income – and on how big of a HH).
How much is your car payment?

I am trying to figure out in what areas of expenses we differ, to understand why I can’t save 4K, even though our HH income is more than 150K. And since you started mentioning these numbers and expenses…

thanks.

[Scarlett]

[quote=flu][quote=UCGal][quote=flu]

UCGal…You really should consider shopping on Gymboree online. I’ve been able to find really fashionable stuff that are slightly out of style for less than what you could find on sale at Target. There were these deals for tops and pants that were $6 on gymbo.

bargains… nope. Designer labels don’t do it for me. I shop 2x year – get enough shorts/jeans/t-shirts to cover their growth spurts, and I’m done.[/quote]

Hijack. I forgot about this thread. Wait.. When can you get shirts/pants for $3.88-$5 @ target? I always thought they were closer to $7-8. I guess I don’t go to brick-and-mortar stores regularly to spot the sales anymore. Is this online?

FWIW dudette, I could care less about the “brand” at this age, but I’d like to be able to wash things a couple of times without it coming apart, and never saw deals like that at the red dot store.[/quote]

I had similar experience, flu. I shop only for girls clothes. I sometimes shop clearance/sales items at Children’s place or Gymboree, but my mainstay is Kohl’s – when they have a big sale and cash back too – I like their kids clothes design; I shop at Walmart and Target too but with caution.

[Scarlett]

[quote=flu][quote=UCGal][quote=flu]

UCGal…You really should consider shopping on Gymboree online. I’ve been able to find really fashionable stuff that are slightly out of style for less than what you could find on sale at Target. There were these deals for tops and pants that were $6 on gymbo.

bargains… nope. Designer labels don’t do it for me. I shop 2x year – get enough shorts/jeans/t-shirts to cover their growth spurts, and I’m done.[/quote]

Hijack. I forgot about this thread. Wait.. When can you get shirts/pants for $3.88-$5 @ target? I always thought they were closer to $7-8. I guess I don’t go to brick-and-mortar stores regularly to spot the sales anymore. Is this online?

FWIW dudette, I could care less about the “brand” at this age, but I’d like to be able to wash things a couple of times without it coming apart, and never saw deals like that at the red dot store.[/quote]

I had similar experience, flu. I shop only for girls clothes. I sometimes shop clearance/sales items at Children’s place or Gymboree, but my mainstay is Kohl’s – when they have a big sale and cash back too – I like their kids clothes design; I shop at Walmart and Target too but with caution.

[Scarlett]

[quote=flu][quote=UCGal][quote=flu]

UCGal…You really should consider shopping on Gymboree online. I’ve been able to find really fashionable stuff that are slightly out of style for less than what you could find on sale at Target. There were these deals for tops and pants that were $6 on gymbo.

bargains… nope. Designer labels don’t do it for me. I shop 2x year – get enough shorts/jeans/t-shirts to cover their growth spurts, and I’m done.[/quote]

Hijack. I forgot about this thread. Wait.. When can you get shirts/pants for $3.88-$5 @ target? I always thought they were closer to $7-8. I guess I don’t go to brick-and-mortar stores regularly to spot the sales anymore. Is this online?

FWIW dudette, I could care less about the “brand” at this age, but I’d like to be able to wash things a couple of times without it coming apart, and never saw deals like that at the red dot store.[/quote]

I had similar experience, flu. I shop only for girls clothes. I sometimes shop clearance/sales items at Children’s place or Gymboree, but my mainstay is Kohl’s – when they have a big sale and cash back too – I like their kids clothes design; I shop at Walmart and Target too but with caution.

[Scarlett]

[quote=flu][quote=UCGal][quote=flu]

UCGal…You really should consider shopping on Gymboree online. I’ve been able to find really fashionable stuff that are slightly out of style for less than what you could find on sale at Target. There were these deals for tops and pants that were $6 on gymbo.

bargains… nope. Designer labels don’t do it for me. I shop 2x year – get enough shorts/jeans/t-shirts to cover their growth spurts, and I’m done.[/quote]

Hijack. I forgot about this thread. Wait.. When can you get shirts/pants for $3.88-$5 @ target? I always thought they were closer to $7-8. I guess I don’t go to brick-and-mortar stores regularly to spot the sales anymore. Is this online?

FWIW dudette, I could care less about the “brand” at this age, but I’d like to be able to wash things a couple of times without it coming apart, and never saw deals like that at the red dot store.[/quote]

I had similar experience, flu. I shop only for girls clothes. I sometimes shop clearance/sales items at Children’s place or Gymboree, but my mainstay is Kohl’s – when they have a big sale and cash back too – I like their kids clothes design; I shop at Walmart and Target too but with caution.

[Scarlett]

[quote=flu][quote=UCGal][quote=flu]

UCGal…You really should consider shopping on Gymboree online. I’ve been able to find really fashionable stuff that are slightly out of style for less than what you could find on sale at Target. There were these deals for tops and pants that were $6 on gymbo.

bargains… nope. Designer labels don’t do it for me. I shop 2x year – get enough shorts/jeans/t-shirts to cover their growth spurts, and I’m done.[/quote]

Hijack. I forgot about this thread. Wait.. When can you get shirts/pants for $3.88-$5 @ target? I always thought they were closer to $7-8. I guess I don’t go to brick-and-mortar stores regularly to spot the sales anymore. Is this online?

FWIW dudette, I could care less about the “brand” at this age, but I’d like to be able to wash things a couple of times without it coming apart, and never saw deals like that at the red dot store.[/quote]

I had similar experience, flu. I shop only for girls clothes. I sometimes shop clearance/sales items at Children’s place or Gymboree, but my mainstay is Kohl’s – when they have a big sale and cash back too – I like their kids clothes design; I shop at Walmart and Target too but with caution.

[Scarlett]

[quote=AN]But it’s possible if one strive to achieve it. Having kids is only expensive if you want it to be. They don’t need brand new clothes, hand me down would do just fine.[/quote]
Hah! For 15 years one would dress his kids in hand-me downs, when they have 150K HH, you think? maybe only when they are little…Never mind clothes, diapers, toys, books, activities, after-hours care. Daycare, now that costs on average $1000 per month, for the first 5 years. And college funds – a few hundred month per kid.

[quote=AN]Are you disputing that it’s possible to save $4k/month for a HH that make $150k/yr?[/quote]

Impossible? No. But HIGHLY IMPROBABLE. that’s why we are saying it’s not realistic. Spending the best part of your life living like a miser and pinching pennies is not many’s idea of living.

[quote=AN]If you find it too tough to save $2k/month, how about saving $1k/month instead? @8% return each year, you’ll amass $1.5M after 30 years. If you start at 25, you’ll be 60 when you have $1.5M. Is it tough to save $1k/month when you’re making $150k/yr? [/quote]

Now that’s more doable. Assuming you don’t buy a house by age 60. But why didn’t you give this example that is much easier to accomplish in the first place, I wonder.

[quote=AN]Another point I want to make is, it’s much easier to amass a large asset if you start early. Compound interest works in your favor.
[/quote]
Of course, we all here know that.

Anyway, it is instructive to hear these discussions. My spouse and I, with PhDs and postdocs under our belt, we haven’t gotten to the 150K HH until after we were 40 with kids…So no chance of getting to 1 M before we retire. To think that with RN degrees we would have had a much better life…Makes one wonder about the value of higher education… But I digress.

[Scarlett]

[quote=AN]But it’s possible if one strive to achieve it. Having kids is only expensive if you want it to be. They don’t need brand new clothes, hand me down would do just fine.[/quote]
Hah! For 15 years one would dress his kids in hand-me downs, when they have 150K HH, you think? maybe only when they are little…Never mind clothes, diapers, toys, books, activities, after-hours care. Daycare, now that costs on average $1000 per month, for the first 5 years. And college funds – a few hundred month per kid.

[quote=AN]Are you disputing that it’s possible to save $4k/month for a HH that make $150k/yr?[/quote]

Impossible? No. But HIGHLY IMPROBABLE. that’s why we are saying it’s not realistic. Spending the best part of your life living like a miser and pinching pennies is not many’s idea of living.

[quote=AN]If you find it too tough to save $2k/month, how about saving $1k/month instead? @8% return each year, you’ll amass $1.5M after 30 years. If you start at 25, you’ll be 60 when you have $1.5M. Is it tough to save $1k/month when you’re making $150k/yr? [/quote]

Now that’s more doable. Assuming you don’t buy a house by age 60. But why didn’t you give this example that is much easier to accomplish in the first place, I wonder.

[quote=AN]Another point I want to make is, it’s much easier to amass a large asset if you start early. Compound interest works in your favor.
[/quote]
Of course, we all here know that.

Anyway, it is instructive to hear these discussions. My spouse and I, with PhDs and postdocs under our belt, we haven’t gotten to the 150K HH until after we were 40 with kids…So no chance of getting to 1 M before we retire. To think that with RN degrees we would have had a much better life…Makes one wonder about the value of higher education… But I digress.

[Scarlett]

[quote=AN]But it’s possible if one strive to achieve it. Having kids is only expensive if you want it to be. They don’t need brand new clothes, hand me down would do just fine.[/quote]
Hah! For 15 years one would dress his kids in hand-me downs, when they have 150K HH, you think? maybe only when they are little…Never mind clothes, diapers, toys, books, activities, after-hours care. Daycare, now that costs on average $1000 per month, for the first 5 years. And college funds – a few hundred month per kid.

[quote=AN]Are you disputing that it’s possible to save $4k/month for a HH that make $150k/yr?[/quote]

Impossible? No. But HIGHLY IMPROBABLE. that’s why we are saying it’s not realistic. Spending the best part of your life living like a miser and pinching pennies is not many’s idea of living.

[quote=AN]If you find it too tough to save $2k/month, how about saving $1k/month instead? @8% return each year, you’ll amass $1.5M after 30 years. If you start at 25, you’ll be 60 when you have $1.5M. Is it tough to save $1k/month when you’re making $150k/yr? [/quote]

Now that’s more doable. Assuming you don’t buy a house by age 60. But why didn’t you give this example that is much easier to accomplish in the first place, I wonder.

[quote=AN]Another point I want to make is, it’s much easier to amass a large asset if you start early. Compound interest works in your favor.
[/quote]
Of course, we all here know that.

Anyway, it is instructive to hear these discussions. My spouse and I, with PhDs and postdocs under our belt, we haven’t gotten to the 150K HH until after we were 40 with kids…So no chance of getting to 1 M before we retire. To think that with RN degrees we would have had a much better life…Makes one wonder about the value of higher education… But I digress.

[Scarlett]

[quote=AN]But it’s possible if one strive to achieve it. Having kids is only expensive if you want it to be. They don’t need brand new clothes, hand me down would do just fine.[/quote]
Hah! For 15 years one would dress his kids in hand-me downs, when they have 150K HH, you think? maybe only when they are little…Never mind clothes, diapers, toys, books, activities, after-hours care. Daycare, now that costs on average $1000 per month, for the first 5 years. And college funds – a few hundred month per kid.

[quote=AN]Are you disputing that it’s possible to save $4k/month for a HH that make $150k/yr?[/quote]

Impossible? No. But HIGHLY IMPROBABLE. that’s why we are saying it’s not realistic. Spending the best part of your life living like a miser and pinching pennies is not many’s idea of living.

[quote=AN]If you find it too tough to save $2k/month, how about saving $1k/month instead? @8% return each year, you’ll amass $1.5M after 30 years. If you start at 25, you’ll be 60 when you have $1.5M. Is it tough to save $1k/month when you’re making $150k/yr? [/quote]

Now that’s more doable. Assuming you don’t buy a house by age 60. But why didn’t you give this example that is much easier to accomplish in the first place, I wonder.

[quote=AN]Another point I want to make is, it’s much easier to amass a large asset if you start early. Compound interest works in your favor.
[/quote]
Of course, we all here know that.

Anyway, it is instructive to hear these discussions. My spouse and I, with PhDs and postdocs under our belt, we haven’t gotten to the 150K HH until after we were 40 with kids…So no chance of getting to 1 M before we retire. To think that with RN degrees we would have had a much better life…Makes one wonder about the value of higher education… But I digress.

[Author]

Posts