[UCGal]

Dave – I laughed at the failed gold digger comment. I’ve got thick skin.

Coincidentally, when I was at costco tire center today I was talking to a woman with a 2 year old daughter… The wait times were long so we had a lot of time to talk. She’d adopted her daughter. She was single. She supported herself. She did this by choice.

FWIW – she was very attractive… Thin, blonde hair, very fit. I don’t see that she’d have any problem snagging a man. She might have been gay – but I didn’t get that vibe, lol.

Dave – by your own statistic 1 in 4 women in 2 income households makes more than her husband… that’s a significant number. When women have income parity I think you’ll see more couples choosing based on income and career goals to have the man stay home or work part time. The world is changing.

[UCGal]

Dave – I laughed at the failed gold digger comment. I’ve got thick skin.

Coincidentally, when I was at costco tire center today I was talking to a woman with a 2 year old daughter… The wait times were long so we had a lot of time to talk. She’d adopted her daughter. She was single. She supported herself. She did this by choice.

FWIW – she was very attractive… Thin, blonde hair, very fit. I don’t see that she’d have any problem snagging a man. She might have been gay – but I didn’t get that vibe, lol.

Dave – by your own statistic 1 in 4 women in 2 income households makes more than her husband… that’s a significant number. When women have income parity I think you’ll see more couples choosing based on income and career goals to have the man stay home or work part time. The world is changing.

[UCGal]

Dave – I laughed at the failed gold digger comment. I’ve got thick skin.

Coincidentally, when I was at costco tire center today I was talking to a woman with a 2 year old daughter… The wait times were long so we had a lot of time to talk. She’d adopted her daughter. She was single. She supported herself. She did this by choice.

FWIW – she was very attractive… Thin, blonde hair, very fit. I don’t see that she’d have any problem snagging a man. She might have been gay – but I didn’t get that vibe, lol.

Dave – by your own statistic 1 in 4 women in 2 income households makes more than her husband… that’s a significant number. When women have income parity I think you’ll see more couples choosing based on income and career goals to have the man stay home or work part time. The world is changing.

[UCGal]

[quote=threadkiller]After posting this, I can now see how it comes off as being like a teenager living @ home and wanting more freedom. Because of the employer match they get to call the shots I guess(along with the government). I’ve heard that some companies are doing away with the match, if that were to happen at our company I would no longer contribute to a 401K, instead I would go to an IRA or ROTH IRA.[/quote]

My employer is one of those crappy ones that eliminated the match on the 401k AND has awful choices. That said, it’s still a good way to set away pre-tax money at a high limit. With the 401k I can contribute $16k/year. With a Roth, only 5k.

While I’m a saver, overall, I’m not sure I would be as disciplined about retirement savings if I didn’t have it done via payroll before I ever see it… and that’s a lot of pre-tax money getting saved.

A few coworkers stopped contributing to their 401ks when the match was eliminated – but I seriously doubt they’ve made up for it with IRAs or Roth IRAs.

My husband’s employer doesn’t have a 401k – we contribute a lot less to his retirement because of the max limits on IRAs. I joke that he better be nice to me – because retirement savings are held individually, rather than jointly. 😉

[UCGal]

[quote=threadkiller]After posting this, I can now see how it comes off as being like a teenager living @ home and wanting more freedom. Because of the employer match they get to call the shots I guess(along with the government). I’ve heard that some companies are doing away with the match, if that were to happen at our company I would no longer contribute to a 401K, instead I would go to an IRA or ROTH IRA.[/quote]

My employer is one of those crappy ones that eliminated the match on the 401k AND has awful choices. That said, it’s still a good way to set away pre-tax money at a high limit. With the 401k I can contribute $16k/year. With a Roth, only 5k.

While I’m a saver, overall, I’m not sure I would be as disciplined about retirement savings if I didn’t have it done via payroll before I ever see it… and that’s a lot of pre-tax money getting saved.

A few coworkers stopped contributing to their 401ks when the match was eliminated – but I seriously doubt they’ve made up for it with IRAs or Roth IRAs.

My husband’s employer doesn’t have a 401k – we contribute a lot less to his retirement because of the max limits on IRAs. I joke that he better be nice to me – because retirement savings are held individually, rather than jointly. 😉

[UCGal]

[quote=threadkiller]After posting this, I can now see how it comes off as being like a teenager living @ home and wanting more freedom. Because of the employer match they get to call the shots I guess(along with the government). I’ve heard that some companies are doing away with the match, if that were to happen at our company I would no longer contribute to a 401K, instead I would go to an IRA or ROTH IRA.[/quote]

My employer is one of those crappy ones that eliminated the match on the 401k AND has awful choices. That said, it’s still a good way to set away pre-tax money at a high limit. With the 401k I can contribute $16k/year. With a Roth, only 5k.

While I’m a saver, overall, I’m not sure I would be as disciplined about retirement savings if I didn’t have it done via payroll before I ever see it… and that’s a lot of pre-tax money getting saved.

A few coworkers stopped contributing to their 401ks when the match was eliminated – but I seriously doubt they’ve made up for it with IRAs or Roth IRAs.

My husband’s employer doesn’t have a 401k – we contribute a lot less to his retirement because of the max limits on IRAs. I joke that he better be nice to me – because retirement savings are held individually, rather than jointly. 😉

[UCGal]

[quote=threadkiller]After posting this, I can now see how it comes off as being like a teenager living @ home and wanting more freedom. Because of the employer match they get to call the shots I guess(along with the government). I’ve heard that some companies are doing away with the match, if that were to happen at our company I would no longer contribute to a 401K, instead I would go to an IRA or ROTH IRA.[/quote]

My employer is one of those crappy ones that eliminated the match on the 401k AND has awful choices. That said, it’s still a good way to set away pre-tax money at a high limit. With the 401k I can contribute $16k/year. With a Roth, only 5k.

While I’m a saver, overall, I’m not sure I would be as disciplined about retirement savings if I didn’t have it done via payroll before I ever see it… and that’s a lot of pre-tax money getting saved.

A few coworkers stopped contributing to their 401ks when the match was eliminated – but I seriously doubt they’ve made up for it with IRAs or Roth IRAs.

My husband’s employer doesn’t have a 401k – we contribute a lot less to his retirement because of the max limits on IRAs. I joke that he better be nice to me – because retirement savings are held individually, rather than jointly. 😉

[UCGal]

[quote=threadkiller]After posting this, I can now see how it comes off as being like a teenager living @ home and wanting more freedom. Because of the employer match they get to call the shots I guess(along with the government). I’ve heard that some companies are doing away with the match, if that were to happen at our company I would no longer contribute to a 401K, instead I would go to an IRA or ROTH IRA.[/quote]

My employer is one of those crappy ones that eliminated the match on the 401k AND has awful choices. That said, it’s still a good way to set away pre-tax money at a high limit. With the 401k I can contribute $16k/year. With a Roth, only 5k.

While I’m a saver, overall, I’m not sure I would be as disciplined about retirement savings if I didn’t have it done via payroll before I ever see it… and that’s a lot of pre-tax money getting saved.

A few coworkers stopped contributing to their 401ks when the match was eliminated – but I seriously doubt they’ve made up for it with IRAs or Roth IRAs.

My husband’s employer doesn’t have a 401k – we contribute a lot less to his retirement because of the max limits on IRAs. I joke that he better be nice to me – because retirement savings are held individually, rather than jointly. 😉

[UCGal]

Growing up we had a fire that burned down the garage and there was smoke/water damage through the rest of the house. My dad had what he thought was “full” insurance. It barely covered the garage and contents. He maxed out his claim to the limits and it didn’t involve rebuilding the main house.

Based on that experience we actually increased our coverage on per sf/construction cost.

But then again, we aren’t looking to just buy another house down the street.

In the cases of the wildfires, not only did construction prices increase… available stock decreased. When you have a large number of displaced households it may not be as easy to buy the replacement house down the street.

[UCGal]

Growing up we had a fire that burned down the garage and there was smoke/water damage through the rest of the house. My dad had what he thought was “full” insurance. It barely covered the garage and contents. He maxed out his claim to the limits and it didn’t involve rebuilding the main house.

Based on that experience we actually increased our coverage on per sf/construction cost.

But then again, we aren’t looking to just buy another house down the street.

In the cases of the wildfires, not only did construction prices increase… available stock decreased. When you have a large number of displaced households it may not be as easy to buy the replacement house down the street.

[UCGal]

Growing up we had a fire that burned down the garage and there was smoke/water damage through the rest of the house. My dad had what he thought was “full” insurance. It barely covered the garage and contents. He maxed out his claim to the limits and it didn’t involve rebuilding the main house.

Based on that experience we actually increased our coverage on per sf/construction cost.

But then again, we aren’t looking to just buy another house down the street.

In the cases of the wildfires, not only did construction prices increase… available stock decreased. When you have a large number of displaced households it may not be as easy to buy the replacement house down the street.

[UCGal]

Growing up we had a fire that burned down the garage and there was smoke/water damage through the rest of the house. My dad had what he thought was “full” insurance. It barely covered the garage and contents. He maxed out his claim to the limits and it didn’t involve rebuilding the main house.

Based on that experience we actually increased our coverage on per sf/construction cost.

But then again, we aren’t looking to just buy another house down the street.

In the cases of the wildfires, not only did construction prices increase… available stock decreased. When you have a large number of displaced households it may not be as easy to buy the replacement house down the street.

[UCGal]

Growing up we had a fire that burned down the garage and there was smoke/water damage through the rest of the house. My dad had what he thought was “full” insurance. It barely covered the garage and contents. He maxed out his claim to the limits and it didn’t involve rebuilding the main house.

Based on that experience we actually increased our coverage on per sf/construction cost.

But then again, we aren’t looking to just buy another house down the street.

In the cases of the wildfires, not only did construction prices increase… available stock decreased. When you have a large number of displaced households it may not be as easy to buy the replacement house down the street.

[UCGal]

Does it count if the woman with children is married but is the primary bread winner? A lot of the discussion assumes single parenting…

I know several couples that have children – the mom works, the dad stays home. How does that fit the woman as gold digger model? And some of the men had great careers prior to making the choice to be a SAHD. These guys had real careers – engineers, finance, etc. But they like being full time parents… and their wives like their careers.

I know even more couples where both parents work and the mom makes more than the dad. How does that fit the gold-digger model?

Couples who choose to have kids figure out what works for their family. Of the families I know with stay at home parents – the couples weighed the decision and did what worked for them.

As far as my personal experience with single parents by choice – I know two. One used a sperm bank. One used a ‘live donor’ but it was understood there would be no child support. Both got pregnant intentionally. All of my other friends were also intentional about having kids – but did it with planning/discussion with their partners… no planned “oopsies”. Again, maybe it’s the folks I hang with… but I hang with honest people who wouldn’t pull that kind of deception. (And who are smart enough to know about birth control and use it.)

My best friend was clear she never wanted kids when she got married. Her (now ex) husband was “fine” with it – for the first few years… then started campaigning to change her mind.

[UCGal]

Does it count if the woman with children is married but is the primary bread winner? A lot of the discussion assumes single parenting…

I know several couples that have children – the mom works, the dad stays home. How does that fit the woman as gold digger model? And some of the men had great careers prior to making the choice to be a SAHD. These guys had real careers – engineers, finance, etc. But they like being full time parents… and their wives like their careers.

I know even more couples where both parents work and the mom makes more than the dad. How does that fit the gold-digger model?

Couples who choose to have kids figure out what works for their family. Of the families I know with stay at home parents – the couples weighed the decision and did what worked for them.

As far as my personal experience with single parents by choice – I know two. One used a sperm bank. One used a ‘live donor’ but it was understood there would be no child support. Both got pregnant intentionally. All of my other friends were also intentional about having kids – but did it with planning/discussion with their partners… no planned “oopsies”. Again, maybe it’s the folks I hang with… but I hang with honest people who wouldn’t pull that kind of deception. (And who are smart enough to know about birth control and use it.)

My best friend was clear she never wanted kids when she got married. Her (now ex) husband was “fine” with it – for the first few years… then started campaigning to change her mind.

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