The Baby Case Study

I’m 28, Mr. Fipolar is 28, and we’re seriously thinking about the next chapter of our lives together. Next year we will have been together for 10 year and well, to be frank, I have baby fever. People around me are starting to have babies and now I want my own little munchkin. It’s not just that I want a baby, I want a family that’s bigger than just me and my husband and dog.

And well, of course, the finances have been on my mind a lot. When we moved to our mountain town, it was still an affordable, low cost of living area. Now, just a few years later, it’s medium bordering on high cost of living. The change is insane and kind of unbelievable. Regardless, we really like it here and the alternative to be close to our parents would be to move back to the Bay Area which is even more unattainable without a tech salary.

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CoastFI and the Urge to “Look Rich”

I hit CoastFI in my early twenties, bought a house, got a dog, and financed a new car. Somewhere along the way, my okayness with not “looking rich” escaped me. After taking a year off from intensely saving and investing for health reasons, I slipped into being “normal” again. In this case “normal” meant that urge to “keep up with the Jones’s”.

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