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Originally Posted by thefed
welcome aboard! keep your eyes and mind open...these people can offer a lot!
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Agreed. Looking forward to learning a lot here.
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Originally Posted by thefed
looks like you are well on your way. in your shoes, i'd be sure to max the roth which will only cost you 150/paycheck. then start hammering down the debt....that 9% second looks like a good candidate to start with.
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The 9% is the next place we are starting to tackle. The first was the wife's car note at ~9%. We took out a CC and used 0% Balance Transfer offer to really get some traction on getting it paid off. Itll be paid off in the next few months. The second mortgage will be next in line. The experience with 0% Balance Transfers has been good, so well probably look there again when we get the car note finished.
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Originally Posted by thefed
Once the wife goes back to work, you should be all set....and be able to really sock some $$ away.
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Absolutely. She is able to substitute now almost daily, but there is a rather large pay differential between substitute and full time teacher. Theres a few irons still in the fire for her to land a teaching gig this school year, but we arent holding our breaths. Shes 6 months pregnant and looks 6 months pregnant.
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Originally Posted by thefed
but why am i telling you this...im sure you have it figured out- you look to be on the right path
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Confirmation on what you think you already know is never a bad thing! Its reinforcement that you are pointed in the right direction.
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Originally Posted by thefed
And of course, congrats! we are also expecting, not until april though. keep us posted
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Will do.
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