would any of the ladies TTC be willing to post

[Deleted]

their budgets, or if you have 2 already, what does your budget look like--including what % you put into retirement?

I know I could just post mine and get opinions, but I'm afraid you all will tell me I'm crazy to think about #2.

[bunch]

I sah so the impact of number 2 should be very minimal. We contribute a large percentage to retirement, but it's making up for my lack of contribution.

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I recently started working another day a week and DH got a raise. These combined will cover the increase in daycare for #2. I don't think much else will change right away.
Here is our rough HCOL budget with 1 in part time daycare: DH contributes 8% with 4% match, I contribute 8%.

[bunch]

May 17, 2012 12:22:23 GMT -5 @msstarry said:

but are you maxing them bncha? Because only 17k plus 10k in Roths a year is acceptable, you know

OP - I would say if you can get 15% of your income into retirement of some type (including company match) without incurring further debt you get my green light.

17k for each of us (as if I ever had a 401k) plus 10k for Roths is more than we take home

Our number is about 25 percent, but that's 25 percent of a fairly low number

[bunch]

May 17, 2012 12:28:11 GMT -5 @msstarry said:

May 17, 2012 12:25:24 GMT -5 bunch said:

17k for each of us (as if I ever had a 401k) plus 10k for Roths is more than we take home

Our number is about 25 percent, but that's 25 percent of a fairly low number

Oh I was kidding. We are currently at about the same percentage as you, also no where near 17k each plus 10

I know. My computer froze before I hit the button

[Deleted]

Our income is decent but we have very high expenses. DH does 4% in a 401k plus the 4% company match (8%) plus we put another ~ 10% in Roth IRAs. That's it. We do have rental properties, quite a bit in individual stocks & DH owns part of his firm we would cash out which will help in retirement. We feel OK with how we are doing as of now. We have 3 kids & want 1 more.