Give me 15 minutes, I am going to check our excel sheet and get exact numbers, hopefully that will help. I am ball-parking a lot from memory and I shouldn’t have done that. I apologize!

I’m 23, while I definitely think retirement is an important aspect of my life. I really do believe I have plenty of time to really decide what to do on that end.

I wish I could attach an excel sheet, expenses would be easier to list out.

We have a budget lined up, it just seems too good to be true. His expenses are listed; I just don’t know them off the top of my head.

We definitely need a joint account for bills. It’s ridiculous how we are doing it now, I basically Venmo him my part of the bills. Young & dumb. We will learn, hence why I came to the sub. I appreciate your feedback.

That’s good news, I don’t feel so crazy now for accepting the 6.6%.

Our commute to work is 45 minutes one way trip. Both have SUV’s. My second job is 20 minutes one way. Daycare is also 30 minutes away one trip. Unfortunately where we live, it’s hard to find good work, school, daycare in a close vicinity to each other. We are in southern AL.

Net Pay Monthly: $7,870 roughly. So even closer to that above our means line, not including CS.

We have 5k in savings, but it’s about to go for appliances and cosmetic repairs for the house we are buying or we should just bite the bullet and pay off half the CC.

We’ve had the 10k debt for two years. It was moving expenses after we cut contact with family and had to move out unexpectedly, we haven’t been on our feet long enough with our new salaries to start really making a significant change, it also hits my husband for a $115 interest cost every month.

We have no retirement fund. We have a 529 for my son, and will open one for our daughter once she’s born.

I have no knowledge of where to start with retirement, or investing. I am at a complete loss.

After Tax, I take home $681 plus $316 cash. I am contracted as well and paycheck is $800-$900 monthly depending on hours and I obviously have to take taxes from that.

10k was from moving to where we are now two years ago. We could pay it off but we would not have the money to do the things we want to do to our house once we close, it’s 22 year old house and needs repainting & some fixing up work nothing too major, mostly cosmetic.

We may just have to bite the bullet and pay the 10k off and wait on house repairs.

Me and my husband have separate finances, I’m the breadwinner and I luckily don’t have much debt. I’m not sure what all his bills are honestly so I am estimating totals. I know my share of bills are around $4,100 a month. I pay most of the mortgage, I don’t have a car payment and my only debt is $600 and as I’m writing this I just remembered I also have 2k debt in a consolidation loan but payment is at $89 monthly. We are in AL so low cost living. He gets paid $3200 gross and now $4000 gross and tells me he “struggles”. I make $4000 from a steady salaried job and $800-$1000 monthly as a contracted teacher. He works less hours and is essentially a “stay at home dad”. Maybe I’m just stressed because while we split rent now, I will be taking on more bills, which I don’t mind, but I feel somewhat of imposter syndrome and scared of that mortgage.