[thorwasdfasdf]

are you gonna have kids? if so that equation is going to change a huge amount. Just see what it does to your spreadsheet once you factor in 3k/month child care, and the cost of living in a place big enough for a small family, etc. did you look at the massive difference cost in eating out and groceries? housing and taxes?

[0xffff2]

Yes, I budget down to the penny every month so I am factoring in all of it. I don't have any interest in having kids, so that's an angle I hadn't considered.