[alextheparrot]

I’m in a similar boat (Savings, company, and age wise) and have come to realize that kids are where people get really hit with the COL. Two incomes only go so far when you’re paying 2k/kid/month for day care and bought a house at a premium in a good school district. Kids I’ve come to believe are the only change where we’ll really have to start thinking about finances again (Right now our COL is just way lower than our salary).

[mrep]

Oh totally. I cannot imagine raising kids in the bay area with the insane housing which gets you a tiny house, mediocre schools, and insane commutes. Add on the additional costs of kids and I do not plan to move/live there when I start having kids. Hence, why I hoping I can get into one of the satellite office once I get married.

[mrep]

I'll add that while COL is high (i pay $2,500 a month in rent alone), I have still been able to save up that $90,000 out of college in 2 years so it is a pretty good place to bootstrap your financial savings if you don't have kids/need a house.