Search found 931 matches

by Ron Ronnerson
Sat Oct 13, 2018 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Weigh in on our Marital Argument =)-- HCOL edition
Replies: 70
Views: 5353

Re: Weigh in on our Marital Argument =)-- HCOL edition

Your current situation seems too cramped to me. Four people in a two-bedroom condo seems too tight. Add family visits, and it seems like way too much. Also, your kids are growing older. They will need a quiet place to study and do homework in the years ahead. I think it’s great your parents visit of...
by Ron Ronnerson
Sat Oct 06, 2018 9:37 am
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 9568

Re: What is your annual cost for health insurance?

Healthy couple 64yo in Cali (Bronze HDHP/ PPO no ACA subsidy): 2018: $20,099 premium; $9,600 deductible; expect to pay $2,300 out of pocket (deductible not reached) 2019 quote: $22,405 premium; $12,000 deductible; OOP unknowable, transitioning to Medicare anyway.... Don't forget the 3.8% net invest...
by Ron Ronnerson
Sat Oct 06, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 9568

Re: What is your annual cost for health insurance?

We’ve started planning for next year as Covered California has 2019 information up now. Our ages: 44, 44, and 4. Profession: Public School Teacher Wages: Around $120k (includes interest). Raise this year was 1% and local inflation is over 4% (Bay Area). Health Insurance Options Through Employer: My ...
by Ron Ronnerson
Sun Sep 30, 2018 4:00 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1250
Views: 214990

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

It looks like they didn't make the same change for retirement accounts . That's good for my regret minimization (I just transferred my Roth IRA a few months ago) but disappointing for new transfers. Are your referring to the link that whodidntante posted? When I click on it, the page lists options ...
by Ron Ronnerson
Sun Sep 30, 2018 3:22 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1250
Views: 214990

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

It looks like they didn't make the same change for retirement accounts . That's good for my regret minimization (I just transferred my Roth IRA a few months ago) but disappointing for new transfers. Are your referring to the link that whodidntante posted? When I click on it, the page lists options ...
by Ron Ronnerson
Sun Sep 23, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay for upcoming medical / IVF expenses
Replies: 73
Views: 4700

Re: How to pay for upcoming medical / IVF expenses

I’m going to assume you’re doing fairly well financially but just have a short-term cash flow issue. I’m making this assumption based on your $200k income and that you put down $200k as a down payment on your home and recently paid cash for a car. I’d look to make a thousand small cuts in your budge...
by Ron Ronnerson
Wed Sep 19, 2018 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Should we temporarily reduce our retirement contributions in order to pay off our $400k mortgage in 7 years?
Replies: 83
Views: 7461

Re: Should we temporarily reduce our retirement contributions in order to pay off our $400k mortgage in 7 years?

Based on the info you’ve provided, I would not attack this mortgage with a vengeance. You’re young and your interest rate is decent. I’d invest the money and not make drastic changes. Don’t try to fix something that isn’t broken.
by Ron Ronnerson
Tue Sep 18, 2018 10:21 am
Forum: Personal Finance (Not Investing)
Topic: 38% pay cut for dream job?
Replies: 61
Views: 5334

Re: 38% pay cut for dream job?

I won’t comment on the financial aspects of your decision but you do have some moving parts to think about. We adopted our daughter after an exhausting process of quite a few ups and downs that included being previously matched. We had to travel to various places as soon as we received a phone call....
by Ron Ronnerson
Mon Sep 10, 2018 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle Options/Suggestions.
Replies: 99
Views: 10179

Re: Side Hustle Options/Suggestions.

For guaranteed no cost income I would focus on churning bank account bonuses, brokerage account bonuses, and credit cards. For someone who hasn’t done anything yet you should be able to make $10k-$20k over 2 years if you take it seriously. Please teach me.... Only issue is my company is small, no H...
by Ron Ronnerson
Sun Sep 09, 2018 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: 403b fixed 7% return - treat as bonds w.r.t. asset allocations?
Replies: 9
Views: 916

Re: 403b fixed 7% return - treat as bonds w.r.t. asset allocations?

Good point - that 7% fixed return is pretty great so it totally makes sense why you’d fund the 403b first. I overlooked the fact that the same investment option wasn’t also available to you in your 457b.
by Ron Ronnerson
Sun Sep 09, 2018 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: 403b fixed 7% return - treat as bonds w.r.t. asset allocations?
Replies: 9
Views: 916

Re: 403b fixed 7% return - treat as bonds w.r.t. asset allocations?

I think you should put something into Roth accounts as well. No one knows what future tax rates will be so it's good to have different types of accounts from which you can draw when the time comes. With a $90k pension, there is definitely a possibility that your tax rate could be higher in retiremen...
by Ron Ronnerson
Thu Sep 06, 2018 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Psychology of saving for college vs retirement
Replies: 66
Views: 4064

Re: Psychology of saving for college vs retirement

it was my obligation to pay for their college and risk having to work longer or dramatically reduce spending if my career went off the rails. The difference in opinion is interesting. We also feel the obligation to pay for our children's education. However, we choose to cash flow it instead. There ...
by Ron Ronnerson
Thu Sep 06, 2018 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: $200 cash bonus offer from Citi
Replies: 57
Views: 5197

Re: $200 cash bonus offer from Citi

We have $10,000 sitting in an online savings account , earning 1.85%. This is our starter emergency fund. Citi has an offer where if you open a new checking account and keep $5000 of new money in for 60 days, they will give you $200. I was thinking of doing that for both my wife and I. That would g...
by Ron Ronnerson
Mon Sep 03, 2018 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: $200 cash bonus offer from Citi
Replies: 57
Views: 5197

Re: $200 cash bonus offer from Citi

I prefer brokerage bonuses because I really don't keep a lot of cash around and what I do I want in my checking so I don't have to worry about having enough to cover draws. Also some brokerage bonuses you can get in Roth, which is always nice. As always, more information: https://www.bogleheads.org...
by Ron Ronnerson
Mon Sep 03, 2018 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: $200 cash bonus offer from Citi
Replies: 57
Views: 5197

Re: $200 cash bonus offer from Citi

I prefer brokerage bonuses because I really don't keep a lot of cash around and what I do I want in my checking so I don't have to worry about having enough to cover draws. Also some brokerage bonuses you can get in Roth, which is always nice. As always, more information: https://www.bogleheads.org...
by Ron Ronnerson
Mon Sep 03, 2018 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: $200 cash bonus offer from Citi
Replies: 57
Views: 5197

Re: $200 cash bonus offer from Citi

I'm happy to pay more taxes because it means I made more money. Not all report it either... This is a fun, lucrative hobby. I wouldnt let $10,000 sit making 1%... You and I see it similarly about it being a fun, lucrative hobby. I'm not a big fan of taxes, though. Our strategy on that front is that...
by Ron Ronnerson
Mon Sep 03, 2018 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: $200 cash bonus offer from Citi
Replies: 57
Views: 5197

Re: $200 cash bonus offer from Citi

I don't know about your specific offer, but these seem to usually require direct deposit, which (in addition to the taxes things) is too much trouble for my taste And or can be impossible! My husband and I have no way to do it at all. I have debated having $1.50 of my.moms ss check but that never s...
by Ron Ronnerson
Mon Sep 03, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on kids extracurriculars?
Replies: 85
Views: 4785

Re: How much do you spend on kids extracurriculars?

We have one child. She goes to a weekly gymnastics class (1 hour lesson) and a weekly swimming class (1/2 hour lesson). It costs $80/month for each of those for a total of $160/month. My mother-in-law picks up the kid after school on the days of the classes, takes her there, and pays for the lessons...
by Ron Ronnerson
Mon Sep 03, 2018 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: $200 cash bonus offer from Citi
Replies: 57
Views: 5197

Re: $200 cash bonus offer from Citi

I don't know about your specific offer, but these seem to usually require direct deposit, which (in addition to the taxes things) is too much trouble for my taste And or can be impossible! My husband and I have no way to do it at all. I have debated having $1.50 of my.moms ss check but that never s...
by Ron Ronnerson
Mon Sep 03, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: $200 cash bonus offer from Citi
Replies: 57
Views: 5197

Re: $200 cash bonus offer from Citi

I prefer credit card bonuses over bank account bonuses. The former aren't taxable, doesn't require a deposit to make and get back, and unless you're going after cards with annual fees, you don't have to worry about getting hit with account fees. If you're going to open an account with Wells Fargo, ...
by Ron Ronnerson
Mon Sep 03, 2018 10:27 am
Forum: Personal Finance (Not Investing)
Topic: $200 cash bonus offer from Citi
Replies: 57
Views: 5197

Re: $200 cash bonus offer from Citi

That's remarkable. I'm assuming that none of these institutions does a hard credit pull? I recently took advantage of a bonus deal with Key, which didn't do a credit check, as far as I could tell. I don't know if that is Key's policy, or the result of my having had a Key account four years ago (whe...
by Ron Ronnerson
Sun Sep 02, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: $200 cash bonus offer from Citi
Replies: 57
Views: 5197

Re: $200 cash bonus offer from Citi

I've made $4,650 in bank bonuses between last year and this year. This is from just opening checking and savings accounts and doesn't include credit card bonuses or brokerage bonuses ........ That is quite an astounding amount. Given the timeframe you specify, a 20-month span. Quite a feat. Care to...
by Ron Ronnerson
Sun Sep 02, 2018 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Fully maxed out
Replies: 30
Views: 3067

Re: Fully maxed out

In our case, I consider it suboptimal to maximize tax-advantaged space. So, we don’t maximize. We adjust how much to put into various accounts based on our situation during a given year.
by Ron Ronnerson
Sun Sep 02, 2018 9:23 am
Forum: Personal Finance (Not Investing)
Topic: $200 cash bonus offer from Citi
Replies: 57
Views: 5197

Re: $200 cash bonus offer from Citi

I've steered clear of Citi Bank. Read the posts on Doctor of Credit (someone put a link to that site earlier in this thread). Citi is apparently difficult to deal with and quite a few people have been disappointed in their experience with them. I've been with Citi for a couple of decades and have g...
by Ron Ronnerson
Sat Sep 01, 2018 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: $200 cash bonus offer from Citi
Replies: 57
Views: 5197

Re: $200 cash bonus offer from Citi

I've made $4,650 in bank bonuses between last year and this year. This is from just opening checking and savings accounts and doesn't include credit card bonuses or brokerage bonuses ........ That is quite an astounding amount. Given the timeframe you specify, a 20-month span. Quite a feat. Care to...
by Ron Ronnerson
Sat Sep 01, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: $200 cash bonus offer from Citi
Replies: 57
Views: 5197

Re: $200 cash bonus offer from Citi

I've made $4,650 in bank bonuses between last year and this year. This is from just opening checking and savings accounts and doesn't include credit card bonuses or brokerage bonuses (both of which are generally more lucrative). I keep a spreadsheet with information about when to open/close accounts...
by Ron Ronnerson
Fri Aug 31, 2018 8:08 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on paying off debt vs investing
Replies: 32
Views: 2292

Re: Thoughts on paying off debt vs investing

I’d pay off the student loans, starting with the highest rates first. The 6.8% rate would be a top priority for me and I would be working hard to eliminate that loan. I’d keep the mortgage. I might or might not pay off the car loan. If you have a small amount left to pay off, perhaps just get rid of...
by Ron Ronnerson
Sat Aug 25, 2018 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 21935

Re: Decent compensation to move to Bay Area CA?

there isn't much diversity here as one thinks (yes, yes I know most of you think I'm crazy, but it's predominately 2-3 ethnicities- that is not diversity), LOL, Bay Area has A LOT of diversity. In CLT I consider myself really lucky - we still have ~30% of americans in our group in the office. ALL t...
by Ron Ronnerson
Sat Aug 25, 2018 12:42 am
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 21935

Re: Decent compensation to move to Bay Area CA?

The $105k number was applicable to San Francisco proper, according to the article, not the entire Bay Area. And interestingly, a year later it was $117k if we trust the article I linked to. I live in the Bay Area and am at the cut-off for what is considered poor. I was recently planning our next ye...
by Ron Ronnerson
Mon Aug 20, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 105
Views: 13724

Re: Teachers Who Have Net Worth of $1 million +

Several years ago I asked CalSTRS what percentage of retired teachers had benefits: I was told that in 2002 the Office of the Actuary, found the following results: 75.7% have been retired five + years; 53% have been retired for 10+ years; 33.8% have been retired for 15+ years; 18.4% have been retir...
by Ron Ronnerson
Mon Aug 20, 2018 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 105
Views: 13724

Re: Teachers Who Have Net Worth of $1 million +

Several years ago I asked CalSTRS what percentage of retired teachers had benefits: I was told that in 2002 the Office of the Actuary, found the following results: 75.7% have been retired five + years; 53% have been retired for 10+ years; 33.8% have been retired for 15+ years; 18.4% have been retir...
by Ron Ronnerson
Sat Aug 18, 2018 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 105
Views: 13724

Re: Teachers Who Have Net Worth of $1 million +

I’m a 43 year old teacher with a wife and kid and our net worth is approaching $1M (it’s $900k-something). Ten years ago, at age 33, our net worth was $25k. Our combined gross income has been between $100k-$150k per year during that time with an average of around $120k/year. No inheritances are inv...
by Ron Ronnerson
Sat Aug 18, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 105
Views: 13724

Re: Teachers Who Have Net Worth of $1 million +

I’m a 43 year old teacher with a wife and kid and our net worth is approaching $1M (it’s $900k-something). Ten years ago, at age 33, our net worth was $25k. Our combined gross income has been between $100k-$150k per year during that time with an average of around $120k/year. No inheritances are invo...
by Ron Ronnerson
Sat Aug 18, 2018 8:27 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1250
Views: 214990

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

HSBC has a $750 bonus on $100k for 90 days. Investments count even though you know HSBC as a bank. The account requires you to maintain 100k or you are charged a $50/mo fee. https://www.us.hsbc.com/checking-accounts/campaigns/premier-offer-2018/ Every penny I have is currently earning me a bonus so...
by Ron Ronnerson
Fri Aug 17, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Feedback requested on plan to lower income to qualify for ACA Subsidy
Replies: 17
Views: 1315

Re: Feedback requested on plan to lower income to qualify for ACA Subsidy

OP here. Thanks for the discussion and guidance, everyone. I thought I’d relist the questions that I have in case anyone can answer any of these. 1) If I were to make enough contributions to retirement accounts, etc. to lower MAGI to $64k, would I qualify for a premium tax credit even though my empl...
by Ron Ronnerson
Fri Aug 17, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Feedback requested on plan to lower income to qualify for ACA Subsidy
Replies: 17
Views: 1315

Re: Feedback requested on plan to lower income to qualify for ACA Subsidy

Regarding the discussion of Silver plans- It looks like the OP is in California, which played some games with the loss of CSR payments (often call the "Silver switch" or "Silver switcheroo" depending on what source you use). Basically, all of the additional costs that insurers face from the loss of...
by Ron Ronnerson
Fri Aug 17, 2018 5:00 am
Forum: Personal Finance (Not Investing)
Topic: Feedback requested on plan to lower income to qualify for ACA Subsidy
Replies: 17
Views: 1315

Re: Feedback requested on plan to lower income to qualify for ACA Subsidy

Thanks for raising these points and for the guidance. My responses are in blue. A possible problem is that our income unexpectedly goes up and we fall off the subsidy cliff. If that happens, I believe we should be able to contribute money into traditional IRAs up until 4/15/20 for the 2019 year and ...
by Ron Ronnerson
Fri Aug 17, 2018 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Feedback requested on plan to lower income to qualify for ACA Subsidy
Replies: 17
Views: 1315

Re: Feedback requested on plan to lower income to qualify for ACA Subsidy

You priced Kaiser Bronze and Gold above but if 400% of FPL is 80k+ and you will be at 64K then I believe you want to price a Silver plan and look carefully at the cost sharing reduction you may qualify for. I believe CSR is only available at Silver level. Got it. I’ll look at the silver plan too in...
by Ron Ronnerson
Thu Aug 16, 2018 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Feedback requested on plan to lower income to qualify for ACA Subsidy
Replies: 17
Views: 1315

Re: Feedback requested on plan to lower income to qualify for ACA Subsidy

I'm a little bit confused by this part: "First in order to get on the exchange (subsidy or no subsidy), you have to show your employer-provided insurance is unaffordable. This is the 9.86% test. Once you are allowed to get on..." Sorry I was wrong. They let you on but you don't get a subsidy. So yo...
by Ron Ronnerson
Thu Aug 16, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Feedback requested on plan to lower income to qualify for ACA Subsidy
Replies: 17
Views: 1315

Re: Feedback requested on plan to lower income to qualify for ACA Subsidy

Since the lowest-cost option available to cover only me for health insurance is $543/month (more than 9.86% of our MAGI), would I be correct in assuming that I would qualify for a premium tax credit if I were to make the above contributions? Those are two separate issues. First in order to get on t...
by Ron Ronnerson
Thu Aug 16, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Feedback requested on plan to lower income to qualify for ACA Subsidy
Replies: 17
Views: 1315

Re: Feedback requested on plan to lower income to qualify for ACA Subsidy

If you have an FSA at work you likely can't make a HSA contribution. I would only sign up for an FSA if I'm not enrolling in an HSA plan. Luckily, I don't have to sign up for an FSA until mid-December and ACA rates for various plans should be available before then. Once the exchange posts the plans...
by Ron Ronnerson
Thu Aug 16, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Feedback requested on plan to lower income to qualify for ACA Subsidy
Replies: 17
Views: 1315

Re: Feedback requested on plan to lower income to qualify for ACA Subsidy

I fight the cliff too but I don't have employee deductions since we are self employed. You will be able to deduct the HSA family amount of 6900 off of your MAGI too. Your cliff isn't the ACA cliff but the affordable employee insurance - you'll need to find out how to show/prove that. Exactly. I nee...
by Ron Ronnerson
Thu Aug 16, 2018 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Feedback requested on plan to lower income to qualify for ACA Subsidy
Replies: 17
Views: 1315

Feedback requested on plan to lower income to qualify for ACA Subsidy

My apologies on the long post below but I just wanted to provide all the relevant information. I’m a public school teacher in the Bay Area. My employer offers health insurance but the employee must pay the entire cost of the insurance. We’re a family of three. According to the healthcare.gov website...
by Ron Ronnerson
Wed Aug 15, 2018 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Credi card balance transfer offer
Replies: 10
Views: 1012

Re: Credi card balance transfer offer

The spread used to be juicier, 0% with no fee, and you could safely earn 5% . Good times. Today the margins are slimmer. I churn credit cards, and quite often the ones that have a good bonus also happen to have a 0% purchase APR period for 6 months to 15 months. So I just send minimum payments unti...
by Ron Ronnerson
Wed Aug 15, 2018 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement guidance for 38 yr old in Silicon Valley CA
Replies: 13
Views: 2386

Re: Retirement guidance for 38 yr old in Silicon Valley CA

Current Situation: Emergency fund[/b]/ Cash on hand: $783,471; Right now, this lump sum cash is sitting in a CD 1.7% account to because we don't know what to invest in and I am afraid of an upcoming bear market. Debt: My husband works in Chico, CA which is 3.5 hours away from the Bay Area. He purch...
by Ron Ronnerson
Wed Aug 15, 2018 11:40 am
Forum: Investing - Help with Personal Investments
Topic: 33 Male, how am I doing?
Replies: 28
Views: 2862

Re: 33 Male, how am I doing?

Congrats on the pay increase over last year. I would go line item by line item through my budget and look for places where I could save without really feeling like it's much of a sacrifice. Your savings rate is what's most important so I'd look to increase that gradually. I'm definitely not opposed ...
by Ron Ronnerson
Tue Aug 14, 2018 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: 33 Male, how am I doing?
Replies: 28
Views: 2862

Re: 33 Male, how am I doing?

Your rent seems totally reasonable yet you have a 7% savings rate on a six-figure income. So, where is your money going?

Your asset allocation seems a little aggressive but could be fine if you can handle volatility. I'd think about increasing bonds a little.
by Ron Ronnerson
Sun Aug 12, 2018 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: House Value & Mortgage as a Percentage of Net Worth
Replies: 83
Views: 6253

Re: House Value & Mortgage as a Percentage of Net Worth

1) I think this varies a lot by person and cost of living. The biggest downside in tying up a laree % of income (however you want to measure it net or gross) is that in general a house is very illiquid and has high transaction costs. If you are spending 30% on a house and 20% eating out, well its m...
by Ron Ronnerson
Sun Aug 12, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: House Value & Mortgage as a Percentage of Net Worth
Replies: 83
Views: 6253

Re: House Value & Mortgage as a Percentage of Net Worth

As long as someone's total consumption is low enough -- that is, their overall savings rate is high enough -- then I'd say it is up to them to decide how they decide to apportion that consumption. This is exactly right. One could ask what percent of a person’s gross pay should go toward daycare, tr...
by Ron Ronnerson
Sat Aug 11, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Average expenses in MCOL area for a family of 4
Replies: 50
Views: 2575

Re: Average expenses in MCOL area for a family of 4

I think you’re not getting too many direct responses to your question for a couple of reasons. First, I’m not sure that people keep long-term averages of their spending over the years. First, you have to define long-term. If it’s 15 years, what if the person lived part of that time at home with pare...