We didn’t start having kids until our late 20’s early 30’s. Both my wife and I

Jan 19, 2023
11:07:16am

Magneto 3rd String

Had careers with degrees before we started. Made more since to do all of our education, get careers, build our home before kiddos. It was our saving grace.

This message has been modified

Originally posted on Jan 19, 2023 at 11:07:16am

Message modified by Magneto on Jan 19, 2023 at 2:11:52pm

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Magneto

Bio page: Magneto
Joined: Jul 1, 2022
Last login: May 24, 2024
Total posts: 5,440 (14 FO)

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Messages

Author

Time

A thought I sometime have: How the heck are people making it financially? I know

Undefeated

1/19/23 7:54am

I think a lot of people are just barely making it. Tons of debt.

deejo

1/19/23 7:58am

We didn’t start having kids until our late 20’s early 30’s. Both my wife and I

Magneto

1/19/23 11:07am

Me imagining just starting parenthood in my 30's:

LegitCoug

1/19/23 11:16am

That is definitely not the only way to do it…

Pretorian

1/19/23 1:21pm

Worked out great for us. All of our friends in our early 30’s either live in an

Magneto

1/19/23 1:59pm

To each their own but there are A LOT of people more successful than you who

Pretorian

1/19/23 3:57pm

The world has changed too much even in the last 3-5 years. We would not be in

Magneto

1/19/23 5:06pm

People do it… it has more to do with your job, work ethic, and priorities than

Pretorian

1/20/23 9:53am

As someone with very similar credentials, I can confirm that it's possible

justAnotherCoug

1/20/23 10:15am

I agree with your

Undefeated

1/20/23 11:20am

To each their own. Every family will make their own decisions and think they’re

Magneto

1/20/23 12:22pm

Bonus for having kids early: you can actually enjoy your grandkids.

TailgateU

1/20/23 5:04pm

RE: Bonus for having kids early: you can actually enjoy your grandkids.

Undefeated

1/20/23 5:28pm

I wonder this every time I visit Utah

SurfCoug

1/19/23 11:47am

That is so not unique to Utah, people just over spend on different things elswhe

Pretorian

1/19/23 1:22pm

Not so sure

SurfCoug

1/20/23 11:27am

I'm always amazed at the disparity between median home prices and median incomes

justAnotherCoug

1/19/23 8:00am

The Top % can afford multiple homes. The lower % live multiple family per home

FromCAtoUT

1/19/23 8:02am

I have some siblings I have no idea how they are making it. They don’t have

Chefcurry

1/19/23 8:01am

For me, getting a different Job and working with my wife on a family budget.

JohnnyC

1/19/23 8:01am

My thought to go along with that: how do people afford cars?

LegitCoug

1/19/23 8:02am

The car prices people pay are crazier to me than the house prices

Gustav

1/19/23 8:08am

IMO, a significant number of new car purchases are made by people who probably

shoganai

1/19/23 8:10am

Most pay over time

Archaea

1/19/23 8:26am

I think many, of us have had high levels of prosperity for so long that

Null

1/19/23 8:04am

A fair observation.

mbs6

1/19/23 8:39am

Very true. Will soon increase my mortgage from 615 a month to 2900

PKCoug

1/19/23 9:22am

Inheritance is never mentioned in these conversations. Being given a house or

vagabonder

1/19/23 8:06am

"The Millionaire Nextdoor" suggests inheritance accounts for a small percentage

justAnotherCoug

1/19/23 8:27am

But also remember the term economic outpatient care.

kotacoug

1/19/23 8:40am

Refresh my memory? It's been a while.

justAnotherCoug

1/19/23 9:02am

Yes just saying that it’s a huge problem and that’s how many younger families

kotacoug

1/19/23 9:09am

When I first got into the work force I was amazed at the $ coworkers families

DiamondMo

1/19/23 8:27am

Bingo! I live in a ward full of people in this boat...

FulhamUte

1/19/23 8:28am

Pays his kids tithing?! What the what?!

U.E. McGill

1/19/23 9:08am

I thought the same thing😂

JohnnyC

1/19/23 9:11am

Yep...

FulhamUte

1/19/23 9:29am

This is crazy. If that’s the case they should argue it’s being double tithed!

DiamondMo

1/19/23 9:33am

I think there was a big thread on CB about this. Kids still pay tithing

kotacoug

1/19/23 10:03am

It sounds like it could be that the child doesn’t pay their own tithing. Or as

DiamondMo

1/19/23 10:30am

If the kid…

FulhamUte

1/19/23 11:21am

Kid pays dad his tithing…. He doesn’t need to know how it technically works…I’ve

kotacoug

1/19/23 11:35am

Right...

FulhamUte

1/19/23 12:13pm

Wow 😲

Pretorian

1/19/23 10:32am

I've seen this too. Partially as a tax strategy for the parents

justAnotherCoug

1/19/23 9:39am

RE: Bingo! I live in a ward full of people in this boat...

flatliner

1/19/23 1:22pm

"Making it" in terms of having enough to meet necessities is still very simple

shoganai

1/19/23 8:07am

The idea that anyone struggling to get by is an addict or dropout is an interest

vagabonder

1/19/23 8:12am

I think it largely depends on where you draw the line of "struggling" vs.

shoganai

1/19/23 8:23am

No need to put "assistance" in quotes when you were given free housing until you

vagabonder

1/19/23 8:29am

You appear to be trying to invalidate my opinion by ushering me into some bucket

shoganai

1/19/23 8:36am

Not shaming, just pointing out that you had an unearned advantage many people

vagabonder

1/19/23 8:42am

It appears you've now succeeded in finding an excuse you can justify for

shoganai

1/19/23 8:53am

You: Drug addiction and dropouts struggle with housing. Also you: My parents

vagabonder

1/19/23 9:03am

Yes. As we know, it's not reasonable for anyone like me to have an opinion on

shoganai

1/19/23 9:18am

I can agree with your premise, but still see you had a leg up.

ReiUrso

1/19/23 9:34am

I don't know why the number of legs up I, you, or anybody else had continues to

shoganai

1/19/23 9:46am

A couple of reasons, in my mind.

ReiUrso

1/19/23 10:13am

It was certainly not my intent to imply that only druggies or dropouts struggle.

shoganai

1/19/23 10:19am

RE: It was certainly not my intent to imply that only druggies or dropouts

flatliner

1/19/23 1:56pm

I actually like this discussion and I think both of you are correct. I think so

Sparkling Delirium

1/19/23 3:18pm

They just go into debt.

cougaman

1/19/23 8:13am

Not paying tithing or saving for retirement can add a bunch to the coffers....

TheHop

1/19/23 8:15am

I can't imagine all that I could do with all the tithing money. Thousands of

cougaman

1/19/23 8:33am

RE: I can't imagine all that I could do with all the tithing money. Thousands of

Sparkling Delirium

1/19/23 8:36am

It'd be like getting a raise, your lifestyle would adjust. I think very few

deejo

1/19/23 9:12am

Exactly. Between retirement savings & tithing I could have an extra $40k a year.

Frankfromtheballpark

1/19/23 12:20pm

Hopefully retired someday 😂 and then off to heaven after that.

Magneto

1/20/23 8:03am

The older I get the harder it is to pay tithing. I never thought that would be

Magneto

1/20/23 8:06am

I sometimes wonder how people are not making it. In school there were people

Powerbait DPM

1/19/23 8:37am

I disagree

DiamondMo

1/19/23 9:14am

Stayed out of debt other than my mortgage. Have a very, very secure job.

Adwight

1/19/23 8:39am

I don't understand how people afford all the huge homes I drive by in utah county. Where do all these people work?

Ted Lasso

1/19/23 8:40am

Aren’t you the guy that seems to take a dozen $10k vacations every year?

Joe Banks

1/19/23 9:00am

It seems that way, but no. I'm not.

Ted Lasso

1/19/23 9:01am

Many of us who vacation know how to do it cost effectively

Archaea

1/19/23 9:14am

I'm probably not far behind you in Disney parks fandom. I'm stunned sometimes

shoganai

1/19/23 9:56am

Got a killer low interest rate on the home refinance when they were giving away

paulb

1/19/23 8:55am

Same boat. Game changer for us

BamBamBigelow

1/19/23 12:23pm

Youth sports is what kills me. I swear some families are paying 20%+ of their

cougfanz

1/19/23 9:08am

You're not kidding. We spent $20k (Not 20%) on kids stuff in 2022.

justAnotherCoug

1/19/23 9:18am

Why are we doing this to kids and families? It's crazy.

Adwight

1/19/23 9:57am

wow. How many kids? What sports. Genuinely interested

HoustonCougar

1/19/23 10:44am

You could easily get there with 1 top level comp soccer team.

DiamondMo

1/19/23 11:04am

3 Kids. Lots of activities that change seasonally

justAnotherCoug

1/19/23 11:08am

ECNL level club soccer. 2k a year for one kid plus travel expenses.

Creaturecow

1/19/23 11:10am

Easy to get there and I only have 2 playing.

Cougstreak

1/19/23 12:31pm

Are you in utah? $20k seems light to me.

Cougstreak

1/19/23 12:24pm

Nah. We're East Coast too. And I'm not surprised. Our activities aren't crazy.

justAnotherCoug

1/19/23 12:28pm

Got it. Indoor field space is insanely expensive. Coaching/trainer prices is double Vs Utah.

Cougstreak

1/19/23 12:38pm

RE: Youth sports is what kills me. I swear some families are paying 20%+ of

DirtBikeDad

1/19/23 1:24pm

I pray as if everything is in the Lord's hands and I work as if everything is in

rbr

1/19/23 9:12am

There is a skill out there some people have that I don’t understand…

Pretorian

1/19/23 10:36am

Sometimes I wish I could be a little more like that. Mostly kidding, of course,

Sparkling Delirium

1/19/23 11:04am

I’m totally with you

Pretorian

1/19/23 1:27pm

I live in Magna. I make barely more than national average.

Creaturecow

1/19/23 11:05am

Nice perspective

U.E. McGill

1/19/23 12:28pm

<< Deleted >>

Longhaul

1/19/23 1:08pm

My 2 cars combine to 378k miles. My last car payment was cash for a used-car

TailgateU

1/19/23 2:28pm

True, but who said anything about it being ugly just cause it's old.

Creaturecow

1/20/23 7:40am

RE: I live in Magna. I make barely more than national average.

flatliner

1/20/23 9:41am

"after spending time dead" combined with your username indicates you

squidmark

1/20/23 9:58am

RE: "after spending time dead" combined with your username indicates you

flatliner

1/20/23 11:41am

We probably have a lot of things to talk about. I lost my father when I was

Creaturecow

1/20/23 10:32am

How long ago did you live in Tijuana?

Creaturecow

1/20/23 12:36pm

RE: How long ago did you live in Tijuana?

flatliner

1/20/23 1:22pm

Gotcha.

Creaturecow

1/20/23 1:54pm

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