What age where you, and how much did you have saved when TTC?

posted 2 years ago in TTC
  • poll:
  • Post # 2
    2577 posts
    Sugar bee
    • Wedding: May 2017

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    kcoast :  We got married almost 5 months ago. We’ve been talking baby making for a while now. I just turned 31 earlier this month. I’ll likely be 32 when we TTC, he’ll be 37 (planning for starting sometime late 2018/ early 2019). We have over 150k saved and own a home. 

    Post # 3
    5020 posts
    Bee Keeper
    • Wedding: September 2017

    I’m 33 (married last month too) and am just now starting ttc.

    I own a house which depleted most of my savings as the money went towards a down payment and many, many upgrades.  I do have equity in the home and $200k+ in my retirement fund.

    My husband has a good amount of money that I don’t feel comfortable disclosing in investments and in his retirement fund.

    Together we also have some debt including our home, our cars and credit cards.

    I recently took a course on Financial Life Coaching and read one of Dave Ramsey’s books.  I highly recommend the following as an easy read with some pretty basic advice.  



    Post # 4
    1307 posts
    Bumble bee
    • Wedding: City, State

    26. TTC. I have about $40k in stocks I can cash out at any point, I have a modest mortgage on my house with all recent upgrades, and my car is paid off.

    Post # 5
    1991 posts
    Buzzing bee
    • Wedding: April 2012

    We got married at 23/25, and are now TTC at 28/30. We have about 100k saved including our retirement accounts, and we own a home. We absolutely loved spending our first 5 years of marriage just enjoying each other without children, but now we feel it is time to start a family.

    Post # 6
    452 posts
    Helper bee

    Both currently 28 and pregnant with first child. We have about $400k in investments and retirement, both cars are paid off so only debt is our mortgage.

    Post # 7
    7897 posts
    Bumble Beekeeper

    There are plenty of people who have kids despite not being 100% financially secure. It’s nice, but it’s not a prerequisite. 

    We were going to TTC about now (I’m 32), but we ended up with a surprise pregnancy over the summer. Financially, we are very secure, though Darling Husband is still in the process of finding a new job, which has been less than ideal. On the other hand, he has plenty of time to go with me to my OB appts, ultrasounds, etc., which is nice too. 

    Post # 8
    568 posts
    Busy bee

    I’m 19, I have $4 million saved up in cash, $65 million in my retirement fund, no mortgage and we own 6 houses. We have two paid of luxury vehicles.


    Post # 9
    1443 posts
    Bumble bee
    • Wedding: October 2016

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    djbeats :  Hahaha. This. Seriously, after reading these I was like “Whelp, maybe I need to wait longer than I thought” and “I’ll never get those savings on a teacher salary…”

    Post # 11
    1163 posts
    Bumble bee

    We started ttc at 26 (two years later and were still trying…) and we have about 50k saved maybe more. We have no debt, mortgage will be paid off in 10 years. Hopefully we won’t have to touch the savings we have and can just live off our pay checks and continue to save. I plan to go back to work after maternity leave. 

    Post # 12
    1002 posts
    Bumble bee
    • Wedding: March 2017

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    djbeats :  lol lol lol

    Thank you for this.

    Post # 13
    704 posts
    Busy bee
    • Wedding: June 2016

    Financially we are ready technically. We have been waiting for my mom to have a 3rd back surgery for nearly two years now. I currently own a home with her. Darling Husband owns our home and pays for everything here. We are actually planning on selling both with my mom living with us as she will still be disabled even after the surgery and she’s older. Also there is no way we can afford a kid and keep helping my mom. I wanted to be pregnant already but oh well you do what you gotta do.

    Husband also has a healthy retirement account and pension, my 401k is meh lol, we have stock as well. Darling Husband has a good job and mines also meh but the plan is Stay-At-Home Mom and go back to finish my degree. We have about 500k in equity and have okay mortgages. Cars are paid off. Some savings and some credit debt that’s currently 0 apr that’ll be paid off with my house sale. Darling Husband is going back to grad school so we may have minor loans for that, thank god his work is paying a large chunk.

    Our current plan is sell the house in early spring, take a real honeymoon, and start TTC this summer as I turn 30 Darling Husband will be 32.



    Post # 14
    509 posts
    Busy bee

    We have been together since high school (about 15 years), but were in no rush to TTC. 

    We started TTC last Fall when we were 29 and 31. Our goal was to have eliminated student debt and have at least 6 months in emergency savings (about $25,000). We got to that goal and started TTC. I am currently 35 weeks pregnant and very glad we waited and did that. We have our out of pocket max saved ($5K) and taking maternity leave will not be as big of financial burden given our savings.

    Post # 15
    636 posts
    Busy bee

    View original reply
    kcoast :  We were older and in a good spot financially, but realistically everyone’s number will be based on their own circumstances and heavily influenced by cost of living.  Saving your anticipated insurance deductible, any unpaid portion of your maternity leave, and 6 months emergency savings would be a bare minimum in my opinion.  For someone that may be $15,000 but for others $150,000.  Don’t be discouraged by some of the numbers thrown out there. 

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