Married w/ 1 child and making ~400k total. Barely surviving in Cambridge. How do people do it?

likefunny
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Why do you even live in Cambridge? It’s Manhattan prices for Ohio amenities.

funnylikesmart

You’ve got serious debt or spending issues my friend.

We make 400K and put an extra 4-5k a month on mortgage… that’s after maxing retirement and contribute to backdoor Roth conversion.

You need to clean that up, I can’t imagine the stress making that much and living paycheck to paycheck. What happens if one of you lose your income? Oof.

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Classic response to someone giving financial advice: what’s your interest rate?

You should not be “barely surviving” give me a break. Sorry, but come on.

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Yeah find cheaper housing, honestly. Married with two kids (in daycare at almost 5k/month, mind you) and have lower HHI and make it work

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Lifestyle change.

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Cambridge is particularly expensive, especially for housing.

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Move out of Cambridge.

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Personally I have roommates, i sell plasma, I use buy now pay later, I live off ramen and i work side hustles on weekends.

Have you tried any of those?

What

Budget, live below your means, move somewhere cheaper. Why live in Cambridge? There are plenty of other cities within commuting distance of Boston that are a little less pricey!

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