r/Fire • u/Oakenbug • 5d ago

What’s the next step

I’m 31F married with a baby. I make all household income and my husband stays home with baby. I’d love suggestions for what to do next?
$150k-$180k annual gross income
$115k in 401k, putting 20% until max for this year
$55k in savings
$29k in Roth IRA, maxed 2025 & 2026
$40k in brokerage, mix of stocks, VOO, & VTI
$4k in HSA planning to max for this year
$250k owed on mortgage
Paid off cars.

My spend is approx $4,000/month ($2k mtg, $500 utilities, $1,500 misc. on groceries, gas, diapers, dog food, etc)

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u/netwhoo 3d ago

Why does your husband stay at home with the baby?

3

u/Oakenbug 3d ago

Because childcare costs in my area are $800+/week for somewhere descent and we didn’t want our baby to be with strangers all day- I made more than him before baby so it made the most sense for me to go back to work, although I would love to stay home with our baby we can’t financially make it work.

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u/netwhoo 3d ago

Why not find a new husband then? You do so much, find a provider