Search found 2038 matches

by Ron Ronnerson
Sun Apr 18, 2021 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with Citibank Bonus Offer
Replies: 24
Views: 2148

Re: Experience with Citibank Bonus Offer

I have never understood why people fall for the bank bonus offers. For that matter, I also don’t understand why people move their investment accounts from one broker to another to get a small bonus. In both cases the bonuses are just not large enough to justify all the changes in your financial lif...
by Ron Ronnerson
Sun Apr 18, 2021 12:19 am
Forum: Personal Consumer Issues
Topic: How to get the best sleep?
Replies: 27
Views: 1909

Re: How to get the best sleep?

I’m usually a pretty decent sleeper but when I want to take it to the next level, I get exercise during the day, put on an eye mask, and turn on white noise. The white noise is played from an app simply called “white noise” that contains lots of choices. I like to listen to “airplane travel.” Temper...
by Ron Ronnerson
Sat Apr 17, 2021 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy cliff now going away! Yay!
Replies: 161
Views: 18164

Re: ACA subsidy cliff now going away! Yay!

I suspect that if I had not gone through this process I would still have gotten the savings next year when I file my tax return but I am not sure of that. That's what I am thinking but do not know if it is right? I believe that is how it works on the federal exchange. I’m on Covered California and ...
by Ron Ronnerson
Sat Apr 17, 2021 10:12 am
Forum: Personal Finance (Not Investing)
Topic: 150K income limit
Replies: 21
Views: 3772

Re: 150K income limit

I think it’s a good strategy. If your gross income is in the $180k-$190k range, you can get about half way to the $150k mark just through using the FSAs and PERS. I assume you’d be paying toward those things regardless so, after factoring those in, your AGI might be down to $160–$170k just from that...
by Ron Ronnerson
Sat Apr 17, 2021 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to keep 30 year term life insurance?
Replies: 34
Views: 2705

Re: Does it make sense to keep 30 year term life insurance?

The way I think of it, the reason a 30-year term is as expensive as it is (compared to shorter terms such as 20 years) has to do with the last 5-10 years of coverage being the greatest risk to the insurance company. You pay those high premiums for all these years and are now considering letting the ...
by Ron Ronnerson
Wed Apr 14, 2021 9:25 am
Forum: Personal Finance (Not Investing)
Topic: How much does your employer sponsered health insurance cost you?
Replies: 43
Views: 2560

Re: How much does your employer sponsered health insurance cost you?

I have the option to buy health insurance through my employer but have chosen to pass. We’re a family of three. For good coverage, it would cost $900/month for just me or $2,100/month for the family. For a very limited network, my option is to pay $600/month for me or $1500/month for the three of us...
by Ron Ronnerson
Sun Apr 11, 2021 6:56 pm
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 282
Views: 21089

Re: The $2000-$4000 Car :) This made me wealthy so jump on board

Maybe the latest safety features provide the illusion of safety. Instead of driving into work, one could own a pogo-stick and live right next to their job. Whatever would have gone into paying for the cars can now be used toward increased housing cost. Another option is to continue to commute from ...
by Ron Ronnerson
Sun Apr 11, 2021 3:45 pm
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 282
Views: 21089

Re: The $2000-$4000 Car :) This made me wealthy so jump on board

You folks in here forget about safety. Actually, it’s been discussed quite a bit in this thread. Taylor’s post does a nice job of illustrating how much it can cost people who choose to own an expensive car. I remain unconvinced how the latest safety features help with safety when, in order to have ...
by Ron Ronnerson
Sun Apr 11, 2021 11:14 am
Forum: Personal Consumer Issues
Topic: Which Credit Card to Get for Travel to Hawaii (looking for a bonus offer)
Replies: 19
Views: 1814

Re: Which Credit Card to Get for Travel to Hawaii (looking for a bonus offer)

I’m not clear if you still have the chase sapphire reserve. If not, and you haven’t received a sapphire bonus in the last 4 years, your wife could refer you for the chase sapphire preferred. I think she’d get 15k for the referral and the current bonus is 80k and a $50 grocery credit I believe. But ...
by Ron Ronnerson
Sat Apr 10, 2021 10:07 pm
Forum: Personal Consumer Issues
Topic: Which Credit Card to Get for Travel to Hawaii (looking for a bonus offer)
Replies: 19
Views: 1814

Re: Which Credit Card to Get for Travel to Hawaii (looking for a bonus offer)

I’m not clear if you still have the chase sapphire reserve. If not, and you haven’t received a sapphire bonus in the last 4 years, your wife could refer you for the chase sapphire preferred. I think she’d get 15k for the referral and the current bonus is 80k and a $50 grocery credit I believe. But ...
by Ron Ronnerson
Sat Apr 10, 2021 9:55 pm
Forum: Personal Consumer Issues
Topic: Which Credit Card to Get for Travel to Hawaii (looking for a bonus offer)
Replies: 19
Views: 1814

Re: Which Credit Card to Get for Travel to Hawaii (looking for a bonus offer)

I’m not clear if you still have the chase sapphire reserve. If not, and you haven’t received a sapphire bonus in the last 4 years, your wife could refer you for the chase sapphire preferred. I think she’d get 15k for the referral and the current bonus is 80k and a $50 grocery credit I believe. But ...
by Ron Ronnerson
Sat Apr 10, 2021 5:17 pm
Forum: Personal Consumer Issues
Topic: Which Credit Card to Get for Travel to Hawaii (looking for a bonus offer)
Replies: 19
Views: 1814

Re: Which Credit Card to Get for Travel to Hawaii (looking for a bonus offer)

Thanks for the suggestions. I’ll check out the recommendations.
by Ron Ronnerson
Sat Apr 10, 2021 2:23 pm
Forum: Personal Consumer Issues
Topic: Which Credit Card to Get for Travel to Hawaii (looking for a bonus offer)
Replies: 19
Views: 1814

Re: Which Credit Card to Get for Travel to Hawaii (looking for a bonus offer)

Bank of America Premium Rewards/October 2019/$500 cash back I applaud your enthusiasm (others wouldn't!). My wife and I are doing this card now (second time for me) = spend $3k, get $500 back. It's always nice to begin a trip with a $1,000 credit. As for redemptions, especially within particular al...
by Ron Ronnerson
Sat Apr 10, 2021 12:27 pm
Forum: Personal Consumer Issues
Topic: Which Credit Card to Get for Travel to Hawaii (looking for a bonus offer)
Replies: 19
Views: 1814

Which Credit Card to Get for Travel to Hawaii (looking for a bonus offer)

We’re beginning to restart traveling and are planning to go to Hawaii in the summer of 2022. My wife and I are hoping to open up a new credit card or two in order to earn a bonus which we could use toward the flights. I am not sure what the best deals are these days and would appreciate any pointers...
by Ron Ronnerson
Thu Apr 08, 2021 10:11 am
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 282
Views: 21089

Re: The $2000-$4000 Car :) This made me wealthy so jump on board

Sorry, I value my life over money. The difference in safety in a crash between a similar new and 10-15 year old vehicle is massive. I am curious if a calculation has been done on this. Let’s say two people have the same income and let’s assume it’s the median salary in a typical MCOL area. One pers...
by Ron Ronnerson
Wed Apr 07, 2021 10:28 am
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 282
Views: 21089

Re: The $2000-$4000 Car :) This made me wealthy so jump on board

Sorry, I value my life over money. The difference in safety in a crash between a similar new and 10-15 year old vehicle is massive. I am curious if a calculation has been done on this. Let’s say two people have the same income and let’s assume it’s the median salary in a typical MCOL area. One pers...
by Ron Ronnerson
Wed Apr 07, 2021 10:10 am
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 282
Views: 21089

Re: The $2000-$4000 Car :) This made me wealthy so jump on board

What a great way to hack transportation costs! About 15 years ago, my wife and I were newly married and had $40k in credit card debt. My wife bought a car for $5k, put 100,000 miles on it over several years (she had a long commute at the time), and then sold it for $2k. It was one of the things we ...
by Ron Ronnerson
Wed Apr 07, 2021 9:01 am
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 282
Views: 21089

Re: The $2000-$4000 Car :) This made me wealthy so jump on board

What a great way to hack transportation costs! About 15 years ago, my wife and I were newly married and had $40k in credit card debt. My wife bought a car for $5k, put 100,000 miles on it over several years (she had a long commute at the time), and then sold it for $2k. It was one of the things we d...
by Ron Ronnerson
Tue Apr 06, 2021 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else see drastic increase in Zillow value today?
Replies: 132
Views: 12733

Re: Anyone else see drastic increase in Zillow value today?

This thread raised my curiosity so I checked yesterday and the zestimate seemed a little bit low. It went up $45k today (up about 5%). Still seems slightly too low based on recent comps but in the right ballpark now.
by Ron Ronnerson
Mon Apr 05, 2021 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house in Bay Area
Replies: 57
Views: 4565

Re: Buying a house in Bay Area

They’ve been teachers for 20 years and are making $240k/year combined from their jobs. They are not at the top of the salary schedule yet and each is expecting a $100k/year pension. This compares favorably to working in tech There is a huge teacher shortage right now. Apparently, for whatever reaso...
by Ron Ronnerson
Mon Apr 05, 2021 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house in Bay Area
Replies: 57
Views: 4565

Re: Buying a house in Bay Area

They’ve been teachers for 20 years and are making $240k/year combined from their jobs. They are not at the top of the salary schedule yet and each is expecting a $100k/year pension. This compares favorably to working in tech There is a huge teacher shortage right now. Apparently, for whatever reaso...
by Ron Ronnerson
Mon Apr 05, 2021 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house in Bay Area
Replies: 57
Views: 4565

Re: Buying a house in Bay Area

Every time we see one of these threads my jaw hits the floor. I cannot fathom dealing with these housing costs. The median household income is like $60k. Where the heck do normal people live? Normal people live in places with names like Cincinnati. Or Boise. Or Tuscon. The average California (publi...
by Ron Ronnerson
Fri Apr 02, 2021 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Roth or traditional (SEP) in 12% bracket?
Replies: 12
Views: 610

Re: Roth or traditional (SEP) in 12% bracket?

Without knowing further details, I’d likely go with Roth.
by Ron Ronnerson
Thu Apr 01, 2021 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 652
Views: 48254

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Since the topic of preschool has been raised, I thought I'd share our experience with that. Preschool was relatively expensive for us but we did find ways to mitigate the cost. My daughter attended Stratford School for two years. At age 3, she attended a full day program but only 3 days a week. At ...
by Ron Ronnerson
Thu Apr 01, 2021 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 652
Views: 48254

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Anyhow, people do often have choices they can make to reduce the pain of preschool expenses. They can enroll their kid part time, live near relatives, use an FSA, figure out creative arrangements when it comes to work schedules, and can usually decide how many kids to have. Additionally, money not ...
by Ron Ronnerson
Thu Apr 01, 2021 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 652
Views: 48254

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Ron, it seemed like you were maxing out both the 403b and 457b, would you have any other added space? I only have a 457b at my work and so 100% of my side hustle income goes to a solo 401k. At the time Roth solo 401k's weren't available so it is in traditional, and I am debating switching it to Rot...
by Ron Ronnerson
Thu Apr 01, 2021 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 652
Views: 48254

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Since the topic of preschool has been raised, I thought I'd share our experience with that. Preschool was relatively expensive for us but we did find ways to mitigate the cost. My daughter attended Stratford School for two years. At age 3, she attended a full day program but only 3 days a week. At ...
by Ron Ronnerson
Thu Apr 01, 2021 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 652
Views: 48254

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Since the topic of preschool has been raised, I thought I'd share our experience with that. Preschool was relatively expensive for us but we did find ways to mitigate the cost. My daughter attended Stratford School for two years. At age 3, she attended a full day program but only 3 days a week. At a...
by Ron Ronnerson
Thu Apr 01, 2021 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 652
Views: 48254

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

This is an old article but I came across this today. I'm still picking my jaw off the ground! https://www.cnbc.com/2019/09/11/you-need-to-make-350000-a-year-to-live-a-middle-class-lifestyle-today-heres-why.html I think it safe to say that not only is this lsadly misleading, despite coming from an F...
by Ron Ronnerson
Wed Mar 31, 2021 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 652
Views: 48254

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

So, you’re making $115k/year and you get 180 days a year off (your words). That’s a really good salary! I think my job is unexceptional in terms of time off, but I get about 125 days/year off. 2 weeks vacation, 10 holidays and 2 out of every 7 days. 2 x 52 weeks + 10 vacation days + 10 holidays day...
by Ron Ronnerson
Wed Mar 31, 2021 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 652
Views: 48254

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Yes, the timing of the house purchase turned out to be quite good in hindsight. We just bought when it was finally affordable. The home cost $500k and we earned a combined salary of about $125k at the time. We put down 3% and our net worth at the time was in the five figures. Over the past 11 years...
by Ron Ronnerson
Tue Mar 30, 2021 12:57 pm
Forum: Personal Investments
Topic: Good Pension and asset allocation
Replies: 31
Views: 2884

Re: Good Pension and asset allocation

I'm in a similar situation. I'm a public school teacher, currently age 46, $1.4M net worth, and am expecting a pension of about $100k/year with COLA and retiree health benefits around age 60. My wife is a stay-at-home parent and we have one child (age 6). I'm invested 75/25 equities to bonds. I was...
by Ron Ronnerson
Tue Mar 30, 2021 12:47 pm
Forum: Personal Investments
Topic: Good Pension and asset allocation
Replies: 31
Views: 2884

Re: Good Pension and asset allocation

I'm in a similar situation. I'm a public school teacher, currently age 46, $1.4M net worth, and am expecting a pension of about $100k/year with COLA and retiree health benefits around age 60. My wife is a stay-at-home parent and we have one child (age 6). I'm invested 75/25 equities to bonds. I was ...
by Ron Ronnerson
Mon Mar 29, 2021 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Did you review your closing documents ahead of closing?
Replies: 31
Views: 2150

Re: Did you review your closing documents ahead of closing?

Yes, I had them in advance on my last refinance. I just glanced at most of the pages but did look at the note carefully. I like to make sure that names are spelled right and the terms of the loan are correct before the notary comes over. So long as I get them just a few hours before, I’m fine with it.
by Ron Ronnerson
Mon Mar 29, 2021 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 652
Views: 48254

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Wealthy people, particularly those who grew up wealthy, often have a distorted perspective on what one needs to live somewhere and be happy. For what it is worth, in the wealthiest zip code in San Francisco (94127), the median household income is $95,313 (below that of the OP). http://zipatlas.com/...
by Ron Ronnerson
Mon Mar 29, 2021 2:01 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 652
Views: 48254

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Ron, You've mentioned the lack of teaching candidates at your school in recent years. Could you explain what you think is contributing to this? Interested as my wife has done some subbing (bay area) and currently working on her Master's/credentials. I know where she has worked they are short teache...
by Ron Ronnerson
Sun Mar 28, 2021 12:36 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 652
Views: 48254

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Congrats on making it work. There will be naysayers and those who make excuses for how you have made it work. Regardless, you should be proud of the progress you made and your diligence to living below your means. This thread was an enjoyable read. Thanks! I appreciate the kindness and encouragemen...
by Ron Ronnerson
Sat Mar 27, 2021 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 652
Views: 48254

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Congrats on the succcess. I read a lot of the posts. I bought a home in the same area in 2009 for 465,000. I am a bit confused about this though to be honest. Thanks. I'm not sure I understand which part is confusing; perhaps I can clarify if you explain what you mean. The OP bought a house years a...
by Ron Ronnerson
Sat Mar 27, 2021 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 652
Views: 48254

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Also Ron, I realized that you have a kid so you absolutely need to be maxing out your money in retirement accounts and avoid draining them to the greatest extent possible. The Cal Grant and UC Middle Class Scholarship have hard asset limits, that exclude home equity and retirement accounts. This co...
by Ron Ronnerson
Sat Mar 27, 2021 11:24 am
Forum: Personal Investments
Topic: With hitting zero owed federal taxes, should I allocate a % to Roth 401k?
Replies: 28
Views: 1979

Re: With hitting zero owed federal taxes, should I allocate a % to Roth 401k?

I would go with Roth in your circumstance, all the way until reaching the 22% bracket. I personally consider 12% to be quite low and 22% to be quite high.
by Ron Ronnerson
Sat Mar 27, 2021 1:05 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 652
Views: 48254

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Ron, since money is fungible and you need to be careful to not have too much income to keep your ACA subsidy, I might invest in a growth ETF (like VUG) in taxable and offset that by shifting an index allocation in your Roth to value (VTV). The VUG will spin off little in dividends. You might have a...
by Ron Ronnerson
Fri Mar 26, 2021 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 652
Views: 48254

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Sure. It isn't necessarily free in terms of time and effort but I've found ways to put the money to use. Some of it is a guaranteed return but not all of it is (we're investing a portion of the cash we took out that we won't need for a while). I'm cutting-and-pasting this from the previous page as ...
by Ron Ronnerson
Fri Mar 26, 2021 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 652
Views: 48254

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Sure. It isn't necessarily free in terms of time and effort but I've found ways to put the money to use. Some of it is a guaranteed return but not all of it is (we're investing a portion of the cash we took out that we won't need for a while). I'm cutting-and-pasting this from the previous page as ...
by Ron Ronnerson
Fri Mar 26, 2021 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 652
Views: 48254

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

I think your personal story is an awesome one, and congratulations. I do find it curious, though: knowing quite a few teachers myself (including my mom), and reading stories like this...one has to wonder about the current zeitgeist regarding teachers not making enough to live on. I think it really ...
by Ron Ronnerson
Fri Mar 26, 2021 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 652
Views: 48254

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Anyhow, I wish you the best of luck! You never know what might happen in life. I certainly didn't expect a pandemic that would bring down the 30-year rate to 2.375%. When it did, I locked it in and took out a bunch of home equity so I could use the cash for both increased liquidity as well as for a...
by Ron Ronnerson
Fri Mar 26, 2021 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 652
Views: 48254

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Anyhow, I wish you the best of luck! You never know what might happen in life. I certainly didn't expect a pandemic that would bring down the 30-year rate to 2.375%. When it did, I locked it in and took out a bunch of home equity so I could use the cash for both increased liquidity as well as for a...
by Ron Ronnerson
Fri Mar 26, 2021 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 652
Views: 48254

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Ron was lucky in that he was able to buy during a significant downturn. Many do not expect such an opportunity again. Many of my peers and colleagues lamented this opinion in 2005 as well. I didn't make any predictions then and I won't now about whether housing prices continue going up or not. Some...
by Ron Ronnerson
Fri Mar 26, 2021 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 652
Views: 48254

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Unfortunately most people are just dumb. They think if they are not able to do it, then nobody can. If you went to the Mr Money Mustache forum, you'd be chastised for not saving 90% of your income. You'd be mr spendy pants in your clown house and your cable and not riding your bike to work. So true...
by Ron Ronnerson
Fri Mar 26, 2021 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 652
Views: 48254

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

I think your personal story is an awesome one, and congratulations. I do find it curious, though: knowing quite a few teachers myself (including my mom), and reading stories like this...one has to wonder about the current zeitgeist regarding teachers not making enough to live on. My niece was born ...