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Thank you, all!! I was having a really hard time making the decision just because I love all (well, most) of my coworkers here, and this is the only place I have worked. A little nervous about forging a new path, but now that I have made the decision, I am feeling much more at peace, though I...

That really helps A LOT, thanks. I had my interview this morning and got the offer this afternoon. I took tonight to think it over, and am trying to negotiate slightly higher, but I am probably going to make the change. I will be shortening my commute from 15 minutes to 3 minutes (if that's a...

I know there are a ton of more experienced and very professional people on here, so as a 20-something, I am looking for some career advice. It has been a fantastic week, and I am giddy as can be, but there are a lot of decisions facing me, and I want to make sure I am maximizing my...

For now, my advice would be to continue shadowing and complete medical internships during the summer (for the resume). Most importantly, keep up that undergrad GPA, and (based on his age) he must be preparing to take the MCAT this upcoming year, right? Admission into medical schools is SO...

Hi there. Same age, same length of marriage, same number of kids, and similar stats, so cheers! :greetings10: Since the options are bad, and your earnings will be going up in the future, I would definitely roll the 401k now. I really prefer Roth over Traditional IRAs because it will be my...

I run Monte Carlo scenarios and update extensive spreadsheets on a weekly basis, but I have a long time to go still (28, aiming to retire at 46 with DH retiring at 40). However, the first time I had the eureka moment was when we boosted our savings rate to over 40% with living expenses being...

There are an awful lot of Asian women in the world... Don't lump us all into the same category. Every woman in my family is a heavy saver. I don't know what sort of materialistic girls you have run into. Maybe living out in LA? But in every marriage, there will be a spender and a saver...

There's just no easy answer, is there? I've tried this tack as well, but it is so hard to predict expenses. I have a rough idea how much entertainment would be, plus that is flexible depending on how much we have available, but I am pretty much shooting completely in the dark for healthcare...

That would be fantastic, though our living costs outside of mortgage and taxes are more like 25%. We actually pay amazingly little in taxes. Child credit and the pre-tax contributions help a lot. We have a very low taxable income. I figure health care costs, which are currently a fully...

Oh boy, thanks! I'll look into it.

I'm not sure if I'm being too optimistic with my predicted decrease in expenses in retirement. Right now, DH and I are pretty aggressively paying off our housing debt. It takes up 40% of our gross. We are saving an addition 25-30% of our gross in retirement accounts (Roth IRA + 457b), and I...

25-30% gross (Roth IRA + 457b), not including my defined benefits plan Reading the rest of the responses has been very inspiring/motivating! Should be done paying off the house in ~7 years, and will push up savings to 60-70% at that time. Currently 27YO, so hopefully still on track for DH to...

Like prohibition, except reversed. Messy, but maybe worth the shot. I would expect use to jump up the first few years after legalization, and then fall back down to a little higher than what usage probably looks like now, similar to other countries that have legalized.

Legalize it and tax the hell out of it, like cigarettes. Should help a lot to decrease black market drug trafficking. Those who are publicly intoxicated or operating machinery under the influence should be charged, like alcohol. Should be plenty of judicial/jail space opened up after...

Congratulations!! I have a 2YO myself. The best piece of advice I can give, financially speaking, is DON'T be sucked into the crazy baby marketing. You don't need bottle warmers, diaper genies, etc. Not all babies like swings, bouncers, and jumpers. I would recommend maybe borrowing one...

Thanks, all! Good question. What would you recommend? DH and I are not enthusiastic investors (as far as time invested in research), so we have a simple portfolio of Vanguard mutual funds and bonds. We have a small non-retirement account started, but since we haven't maxed out our...

26, Married with a 2YO in Alabama Background: Both of us were raised by frugal families. The in-laws are successfully retired at 45. My parents are work-aholics, but are set for retirement in savings. DH and I are of an early retirement mindset. DH is more ambitious than I am and would...