Confession. My partner and I have a $250k HHI, live in HCOL city and childcare for 2 kids is killing us. We have over $10k in CC debt bc we’ve had to use it some months to stay afloat. With only $5k in savings, student loans, rising costs of everything, I feel like we’re drowning. We will also probably owe taxes this year which is like, where is THAT money coming from? I never dreamed I’d be making the money I do & still be living paycheck to paycheck. Please tell me I'm not alone?

like
Posting as :
works at
You are currently posting as works at

The cost of childcare is truly mind blowing. I would just suggest doing a budget exercise and see where your $$ is going to. If there’s a way to reduce costs (we got rid of our car to avoid the parking and insurance) you can consider doing that. Or move to a lower cost city and ask your employers if they will let you do full time remote. If they won’t, shop for a new job. It’s an employees’ market right now.

like

Agree with considering a move to a LCOL area. More affordable housing and daycare.

You’re not alone, sadly

like

You are not alone. I’m also drowning! Kid w student loans is a killer.

like

All I can say is, give yourselves some much deserved credit and a break. Shit’s hard right now and life in America is stupid expensive, especially childcare. It won’t be this way forever. ❤️

I seriously could have written this. You are def not alone.

You're not alone. Any chance you're in the bay area?

Related Posts

Can someone explain to me how it monetarily helps me to split my home mortgage into half and pay half on 1st and half on the 15th? So if my payment is 4K, I pay 2k July 1 and 2k July 15

like

Coworker got fired because they stole my clients! We have a policy stating that the realtor who initiated the contact should be the one closing the deal to give them a fair chance. I feel bad but they should have read the policy...

like

Want to buy a house in bay area? Is this a good time? Thoughts?

like

2021 roth ira limit is 7k? Or am I reading it wrong

like

Want to start saving/investing from this year. Got £11K and will have £2K a month to invest - any recommendations? I don’t want to take crazy risks, somewhere where this is steady long term growth. Have already maxed out pension and I assume next step is maxing out ISA? After that, what is best? (From UK)

like

Got my first job working retail! I'm so excited. I'm only 18 and I know it's not that much but I'm happy that I get to earn my very own money.

like

Has your firm restored your pay? Is it worth considering jumping to another firm that is going to pay you what you’re worth? Don’t know about the rest of you, by my student loan interest rates aren’t getting any lower.

like

There has been a significant flow of investors to higher yielding corporate and emerging market securities.

like

Folks making more than £100K: How do you deal with the 60% effective tax rate on the 100-125K bracket? (HMRC gradually reduces your £12,750 personal tax-free allowance to £0.)

This is the first time it is happening to me. With one month to go until the end of the tax year, I'm thinking of making a one-off extra pension contribution next payroll.

Any other effective strategies with only one month to go?

like

My firm doesn’t match my 401k — still worth opting in?

like

For those watching their home value - which is best? Zillow or Redfin? I’m watching mine to see what equity I have to refi and potentially get PMI removed. Zillow is current showing home value at about 20K less than Redfin. Are there any other tools I could be using? Thanks.

like

Any recommendations on anything apart from coinbase to buy BTC in usd? I am unable to find any platform using it. Please let me know if you guys are aware of any cheaper alternative. Want to try altcoins but looks most need BTC which in the end can only buy on coinbase. It takes higher fees and time for buying.

Thoughts on Jumia stock?

like

what you buying?

like

Since the fed rate is now zero.. What does thst mean for mortgage rates and savings rates? They gonna plummet to nearly 0%?

like

What credit cards does everyone use to maximize rewards points? What bank accounts to maximize sign up bonuses?

like

If I leave big law for ADA will I get canceled?

like

Can anyone please tell if rent agreement is required in LTIMindtree for hra tax exemption or not ? If yes then should it be notarized or should it be registered ( registered means stamp duty and all ).
Please let us know.

like

How much has stock options changed anyone’s life here? Just started at amazon and I received 1500 shares post split. But obviously the vesting schedule is so long over 4 years and morale certainly will be up and down. I feel I’d be crazy to walk away before then and miss out.

like

More Posts

Can we get work from home projects in CTS? When is wfh going to end?

like

I want to make the switch to product development or management. I only have experience in a webte agency and would love to explore other roles and companies.

My interests lay with project and product management. Along with development

like

Anyone in Chicago? Hoping to get some legal advice about rent. I'm in an informal setup with a landlord who rents out a room to me without credit checks, written and signed contract, or deposits. So it's just monthly payments. I've been renting for more than a year now and need to move out in July (1yr and 7mos then) due to work commitments out of state that I have put on hold due to the pandemic. The landlord insists that since I didn't notify her 2 to 3 months before my rent anniversary I shou

Because of this sub, every time I see a dog now, I subconsciously think the owner is going to ask me for a referral.

funnylike

Deloitte business tax services ? What is the best sub group@to join in terms of hours etc.

like

Taking my first project with travel. A bit concerned about maintaining a healthy lifestyle while traveling M-Th for 3 months. Has anyone found a way to keep a good routine for staying in a gym/running and keeping a good diet while on the road?

Thanks in advance

like

How to handle the dual employment in BGV? I have a friend who have a overlap of 30-40 days from his last organization which is not disclosed in CV and with current organization. I feel UAN check will spoil it but his overlap is cuz he wasn't able to return assets back during COVID. Any suggestions?

like
like

Can someone help me, a junior ux designer, with some referrals? Possible companies: Samsung, Accenture, American Express, Google? Or any others?
*certification from Grow with Google and portfolio completed

like

So I am currently working as a journalist for a National TV channel with 3 years experience and looking for a better options. All suggestion or referrals invited

like

Anyone from PA Consulting know the ranges for Consultant Analyst and what a typical offer package would look like?

like

Gary Dahl got everyone whipped into a frenzy with "Pet Rocks" and TBH that makes me believe that marketing is like a form of wizardry

like
like

1/22/22 Daily Checkin! What’s your work out for this Saturday?

like

Hi,
what will be the inhand salary after TDS deduction for 16.5 LPA.

No investments nothing.

like

Can anyone refer me to ETL tester role in product based company?

Can anyone refer me in Citi for the jib I’d Testing Senior Analyst | C12 | CTS - 03112022-R22020665

like

Hello fishes, I received offer letter from Mindtree and uploaded the documents on their onboarding portal. But now I have a better offer in hand and hence will not be joining Mindtree. Do I have to worry about thr uploaded documents ? Does document upload confirm thay I will join Mindtree amd hence cannot join any other company?
Please help.

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Scan your QR code to download
Fishbowl app on your mobile

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal