(Closed) POLL: Where were you financially when you started TTC?

posted 4 years ago in TTC
  • poll: How were you financially before you started TTC?

    6+ figure savings + own house with little mortgage

    Own house with debt and mortgage but 6+ figure household income

    Renting but with savings and working towards owning home

    Renting and little savings but working towards owning a house and savings

    Other - comment!

  • Post # 46
    1154 posts
    Bumble bee
    • Wedding: October 2016

    We’re starting soon (2 more months!) and currently our situation is: 

    Combined 190k (ish) income 

    Own home, mortgage with approx 350k left 

    Debt: student loans 43k, car loan 19k, never keep a balance on any of our credit cards 

    retirement contributions approx 10% of pre tax income 

    misc savings of $18k or so and currently adding to it to cover lost wages during maternity leave/medical costs related to pregnancy and birth. 

    Post # 47
    266 posts
    Helper bee
    • Wedding: September 2016

    Can I just say, I love how frank and open this discussion is? Really appreciated.

    We’re in a housing market where the average home price is $500k-ish

    Combined income of about $110k

    Own home, mortgage $185k left

    Debt: line of credit $25k, car loan $5k

    Retirement savings: $26k (and growing, monthly pension matching)

    Misc: Workplace top-up to 100% of wages during the first 6 months of mat leave will help with the financial strain of the second half of my leave, as I’m the higher earner

    Post # 48
    2490 posts
    Buzzing bee
    • Wedding: August 2015

    We don’t plan on TTC until next year, but we make average wages for our area (under 6 figures) and besides our mortgage payment, we have no debts (no car payments, no school loans, credit cards we always pay in full every month). I’m hoping to save up at least and additional 10k specifically for baby before TTC, if not more. We just bought our house last year, and we put down 20% which was a big chunk, and with all the house projects, I haven’t been saving like I used to.

    Post # 49
    384 posts
    Helper bee
    • Wedding: April 2018

    Combined income $200k, own home outright no mortgage and have around $1m investments and savings. HCOL area.

    Post # 50
    141 posts
    Blushing bee

    We rent a home (houses in our area are between $1.5-2m surprised We make just over 100k a year and we have a baby. We own our car, but have debt (student and line of credit) Its tight but people make it work with less than we make so its always possible.

    Post # 51
    950 posts
    Busy bee
    • Wedding: June 2012

    Very high six figure income, no debt, no mortgage, and several investment properties. 35/37 years old…

    Post # 52
    508 posts
    Busy bee

    Financial stability was a huge focus for us prior to TTC. We had the following:

    -6 months expenses in emergency savings account 

    -401k contributions being made 

    -eliminated $40k in student loans

    -combined income of $150k

    -own home 


    We are very fortunate to be in our current position. However, we both prioritized and sacrificed to get to this point. We both grew up in low incomes families who had lots of debt and children at young ages. We didn’t want that personally. So despite being together for 14 years, we waited until we were ready financially to TTC. 

    Post # 53
    2167 posts
    Buzzing bee
    • Wedding: October 2013


    We bought our home, so we have a mortgage. We don’t have much in savings. We had our daughter last August and we do fine every month but we could do better. We just made foolish decisions as young 20 somethings. Things will improve as time goes on for us and our debts go away.

    I’m pregnant with baby #2 🙂 we’re doing the best we can. We do have retirement funds and money invested so I’m not really that concerned. We make a decent wage between the two of us. 

    Post # 54
    1906 posts
    Buzzing bee

    We own a home, both work, have a TON of student loan debt, 1 car payment, a few bills from home reno’s and now a loan on IVF (which that isn’t cheap). We live comfortable. Honestly there will never be a good time to start. You justhave to jump in.

    The topic ‘POLL: Where were you financially when you started TTC?’ is closed to new replies.

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