Reader Case Research: Plasterer and Social Employee in Manitoba Plan for a Child

Bisky having fun with the canine seaside at a campground

Sam and Riley are a married couple residing in Winnipeg, Manitoba in Canada together with their canine Bisky and two cats, Theodore and Greta. Sam works as a plasterer and Riley is a social employee at an area school. The couple, each age 36, hope to have a toddler quickly and are questioning find out how to steadiness that new monetary duty alongside their present objectives of ending up a Masters of Social Work (Riley) and altering careers to grow to be a sprinkler fitter (Sam).

Moreover, they purchased their first house in June 2022 and are nonetheless settling into the realities–and bills–of house possession. Sam wrote that they really feel like lots of issues are up within the air in the meanwhile and stated, “Now we have so many concepts for ourselves however need assistance creating plans to execute them. We wish to do all these items as quickly as potential to extend our incomes, pensions, and employment choices, whereas additionally having a toddler quickly as we’re each already 36 and feeling the strain on that entrance too.” Be a part of me in my one centesimal Case Research at present as we assist Riley and Sam plan for his or her future!

A notice on pronouns: Sam makes use of he/him pronouns and Riley makes use of they/them.

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Case Research handle monetary and life dilemmas that readers of Frugalwoods ship in requesting recommendation. Then, we (that’d be me and YOU, expensive reader) learn by means of their state of affairs and supply recommendation, encouragement, perception and suggestions within the feedback part.

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The Objective Of Reader Case Research

An exquisite tenting night

Reader Case Research spotlight a various vary of economic conditions, ages, ethnicities, places, objectives, careers, incomes, household compositions and extra!

The Case Research collection started in 2016 and, to this point, there’ve been 99 Case Research. I’ve featured people with annual incomes starting from $17k to $200k+ and internet worths starting from -$300k to $2.9M+.

I’ve featured single, married, partnered, divorced, child-filled and child-free households. I’ve featured homosexual, straight, queer, bisexual and polyamorous individuals. I’ve featured ladies, non-binary people and males. I’ve featured transgender and cisgender individuals. I’ve had cat individuals and canine individuals. I’ve featured people from the US, Australia, Canada, England, South Africa, Spain, Finland, the Netherlands, Germany and France. I’ve featured individuals with PhDs and other people with highschool diplomas. I’ve featured individuals of their early 20’s and other people of their late 60’s. I’ve featured people who dwell on farms and people who dwell in New York Metropolis.

Reader Case Research Pointers

I most likely don’t have to say the next since you all are the kindest, most well mannered commenters on the web, however please notice that Frugalwoods is a judgement-free zone the place we endeavor to assist each other, not condemn.

There’s no room for rudeness right here. The aim is to create a supportive setting the place all of us acknowledge we’re human, we’re flawed, however we select to be right here collectively, workshopping our cash and our lives with constructive, proactive strategies and concepts.

And a disclaimer that I’m not a educated monetary skilled and I encourage individuals to not make critical monetary selections based mostly solely on what one individual on the web advises. 

I encourage everybody to do their very own analysis to find out the very best plan of action for his or her funds. I’m not a monetary advisor and I’m not your monetary advisor.

With that I’ll let Sam and Riley, at present’s Case Research topic, take it from right here!

Sam and Riley’s Story

Greta below our Charlie Brown Christmas tree

Hi there, I’m Sam, I’m 36 and I dwell with my partner Riley (additionally 36) in Winnipeg, Manitoba in Canada. I used to be a chef and restaurant proprietor till 2019 after I got here to the laborious realization that I couldn’t proceed in that trade any longer and made the change to grow to be a plasterer. Plastering was meant to be an in-between job till I discovered one thing extra everlasting, however I get pleasure from what I’m doing in the interim. My long-term aim is to modify to sprinkler becoming, because it’s a great union job with a pension and the next fee of pay.

Riley is a social employee at an area school and they’re weighing the feasibility of ending a Masters of Social Work diploma that they accomplished most of between 2015-2019, earlier than dropping out because of the onset and prognosis of systemic lupus. Riley’s had a few important well being leaves from work since then, additionally as a result of lupus, and has been lucky to be coated by brief and long-term incapacity insurance coverage by means of their employer. This has resulted in solely small decreases to general revenue (though pension contributions have been paused or lowered since they have been based mostly on employment revenue and never insurance coverage advantages revenue). Total Riley’s well being is comparatively steady now, however there are some challenges; not too long ago they needed to take a couple of weeks off as a result of Covid, which hit them tougher as a result of their immunosuppressed standing, however they appear to be making a gradual, full restoration.

Riley’s employer accredited an training plan wherein they may reimburse a portion of the tutoring on completion of their MSW diploma. They’re awaiting last approval to switch trip time to have sufficient to make use of as a substitute of taking unpaid go away throughout college, so Riley’s revenue ought to keep on the identical stage.

Sam and Riley’s Hobbies

Riley enjoys cross-country snowboarding and we each love using our bikes and gardening. We attempt to get out tenting once we can in the summertime and luxuriate in seeing dwell music infrequently. We care for our nephew, who simply turned 5, each weekend. Now we have a canine named Bisky, who’s a Shepherd/Husky rescue canine from up North. He’s a handful however retains issues energetic round the home. He’ll be 3 this summer time. We even have two cats, Theodore and Greta. They’re nice singers and like to cuddle. They’re getting older, at ages 14 and 12.

The Wedding ceremony and The Home

Riley and I married in September 2021, in a considerably spur-of-the-moment resolution to undergo with a small ceremony, as we had a window of lifted pandemic restrictions and fewer transmission. We gathered a couple of of our closest family and friends in a park close to a river and had a stunning (and reasonably priced) wedding ceremony.

We purchased our home in June 2022 and are head over heels for it. It has nice character, a lot of unique wooden, and an enormous yard with lots of backyard beds. We will’t wait to boost a toddler collectively in our house and hope to have a child quickly. We like having mates over for informal get-togethers on the weekend– brunch, bbq, bonfires, and so on.–and it means rather a lot to us that our house is so conducive to internet hosting.

What feels most urgent proper now? What brings you to submit a Case Research?

Proper now there are such a lot of issues up within the air that we really feel a bit tousled and don’t know precisely the precise order wherein to do issues.

Cupcakes we made for our nephew’s fifth birthday

Riley writes: In 2022 we made a bigger mixed revenue than ever earlier than, and anticipate to make extra in 2023. We’re coming from intervals of going out and in of debt as we struggled to handle bills on decrease incomes. Fortuitously, the debt by no means turned unmanageable and we have been in a position to make the most of low-interest steadiness transfers to pay it off rapidly. We managed to begin saving starting in 2020-2021 when Sam shifted to plastering work and I elevated from 4 to five days per week of labor.

That helped us with the down fee and prices to purchase our house, however we nonetheless principally worn out our financial savings shopping for the home and went briefly into debt from transferring bills. Not the neatest transfer, however luckily we have now rapidly paid off these money owed and are slowly rebuilding our financial savings once more. Our automobile was totaled this fall, and it turned out to be a monetary alternative for us as we have been in a position to take the insurance coverage cash from the automobile, repay our automobile mortgage, and purchase a decrease price automobile we might afford outright, whereas nonetheless having some cash leftover.

I believe that was a big shift in our pondering as we made the tough option to downgrade our automobile for the sake of not having a automobile fee any extra.

It’s saving us a number of hundred {dollars} a month. We wish to look forward now that we’ve reached the large milestone of shopping for a home, and set some larger saving, funding, and retirement objectives for the primary time in our lives. Clarifying our objectives will assist encourage us to maintain making frugal and good monetary selections.

Sam writes: I wish to make a profession change however that may imply much less cash for a couple of years as I begin out as an apprentice once more. It’ll take about 2-3 years to make the identical revenue I’ve now, and about 4-5 years to succeed in journeyperson standing and max out the revenue for the commerce. It is going to be value it in the long term, particularly to modify to a union job with an employer-matched pension.

Riley needs to finish their MSW which can imply extra pupil debt. Nonetheless, their work will reimburse a portion of the tutoring upon completion of the MSW.

Beginning a Household

We wish to have a toddler, which implies parental leaves from work and lowered incomes (we wish to take near a yr off). The Canadian authorities Employment Insurance coverage (EI) supplies 15 weeks of go away for the guardian giving delivery, and as much as 40 weeks of normal parental advantages that may be cut up between each dad and mom (55% of revenue to a max of $650/week).

Backyard preserves

We’re taking a look at beginning IVF by the tip of the summer time if we’re not pregnant by then; the medicine prices of $5,000-$6,000 can be coated at 80% by Sam’s medical insurance; the opposite prices can be round $14k. There’s a provincial fertility tax credit score that might return 40% of the price to us; we are able to additionally declare medical bills on our federal taxes however it will reimburse a smaller quantity (the lesser of three% of internet revenue, or $2,479). Now we have an unused line of credit score with $10,000 out there to assist with the upfront prices.

Riley’s employer additionally tops up their revenue to 90% (together with the EI profit) for 17 weeks. If Riley turns into pregnant quickly, they’d be in class after they have the child. The implications of which might be: the employer top-up can be lowered as a result of it will be 90% of the 80% revenue throughout college. The EI could also be much less relying on the timing; EI takes your finest paid 22 weeks from the final yr to find out the revenue the profit relies on. And we’d want some further assist to permit Riley to complete this system with a new child, and it’s actually laborious to foretell how the postpartum interval will go. However we do have mates who dwell close by and household who would be capable of assist rather a lot. If Riley goes again to high school, tuition will take a few of our financial savings that might in any other case go towards supplementing our revenue throughout parental leaves, and their revenue will probably be a bit much less throughout college so we will probably be saving much less throughout that point.

The frenzy to finish the MSW is as a result of beforehand accomplished credit are beginning to stale-date, and should be assessed for forex.

If Riley can full the diploma in 2023-24, only some programs should be re-assessed (and repeated if not discovered to be present). If extra time goes on, extra programs should be assessed. So, it feels just like the final likelihood to finish this diploma. If not, they may return to high school to re-do it or do a unique grasp’s program someday sooner or later. The motivation is to have extra confidence in making an attempt new roles of their present job and to have extra job choices in the event that they wish to make a job change sooner or later.

Retirement Plans

We wish to retire as quickly as we are able to. Though realistically, we anticipate that gained’t be tremendous early based mostly on the place we’re ranging from, however even age 55 or 60 can be good to goal for. We do our greatest to maintain our bills low and dwell a frugal way of life.

I suppose that is the place you are available. Now we have so many concepts for ourselves however need assistance creating plans to execute them. We wish to do all these items as quickly as potential to extend our incomes, pensions, and employment choices, whereas additionally having a toddler quickly as we’re each already 36 and feeling the strain on that entrance too.

Different short-medium time period bills are that our growing older cats might begin to have extra prices, a automobile alternative (hopefully the Mazda can cling in there one other 3-5 years) and dental surgical procedure for Riley (not pressing however within the subsequent 1-2 yrs, about $2,000-$3,000).

We not too long ago purchased a brand new bike for Riley and a second-hand trail-along bike for our nephew for a complete of $900. Riley’s been biking to work and we’ve been taking our nephew on bike rides each weekend.

What’s the very best a part of your present way of life/routine?

Rhubarb!

We aren’t below any main pressures and we dwell a reasonably relaxed way of life. We’ve fine-tuned our routines round cooking, chores, and attending to mattress on time. We love having fun with summertime open air in our yard gardening, chilling on the entrance porch, tenting, and biking across the metropolis visiting with family and friends. Numerous mates dwell in our neighborhood and it’s good and central within the metropolis, simple to stroll, bike, and bus to many locations. Plus, a number of automobile co-op (short-term rental) automobiles are situated inside a ten minute stroll, which permits us to stay a one-car family.

Though we don’t have a lot financial savings or a transparent plan for the long run but, it feels nice to not have an excessive amount of debt hanging over us and the power to have a few of our spending align with our values, equivalent to buying our meat, eggs, a few of our veggies, and far of our grains/beans from native CSAs. Though rates of interest went up greater than anticipated after we purchased our house, we have been in a position to swap our variable fee mortgage to a set fee for peace of thoughts, and it nonetheless feels reasonably priced for us. We will see ourselves residing right here for a very long time and that feels actually good.

What’s the worst a part of your present way of life/routine?

We really feel some anxiousness once we need or have to expand purchases as a result of we don’t have the saving buffer we all know we’d like. We’d like to have the ability to journey a bit extra and go to family and friends in different components of the nation. We’d prefer to really feel much less monetary strain about purchases that enhance our high quality of life, equivalent to Riley getting acupuncture and taking some dietary supplements that assist their well being, or sending Bisky to doggie daycare as soon as per week so we are able to have a barely much less hectic Saturday with our nephew.

Riley’s bus commute shouldn’t be very best on the coldest winter days however since it is just twice per week it’s tolerable. Riley’s job may be unpredictable and disturbing at occasions. Sam doesn’t have trip time however will get trip pay added to every pay cheque, however it finally ends up getting handled as common revenue and so he not often takes “trip” time. It will be good to take per week or two off collectively a pair occasions a yr.

The place Sam and Riley Need to be in Ten Years:

Tenting

1) Funds:

• We’d prefer to have sizable, snug financial savings out there for home repairs/upgrades, emergencies, automobile repairs/alternative, pet emergencies, and so on.
• We’d prefer to improve our kitchen and possibly improve our out of doors gear, equivalent to our cross-country skis and bikes.
• We don’t wish to be burdened about anticipated or sudden prices.
• We’d prefer to have a clearer concept of our goal age for retirement and be setting apart extra cash to permit us to retire doubtlessly forward of receiving our CPP, OAS, and employer pensions at age 65.

2)    Way of life:

• Basically, not too totally different from now.
• Hopefully, we can have a toddler who we will probably be taking to festivals and tenting in the summertime, and doing out of doors actions like skating and cross-country snowboarding within the winter.
• We’d prefer to journey exterior our province each 1-2 years to go to family and friends.

3)    Profession:

• Sam ought to be well-established in a unionized commerce job as a journeyperson. This may imply having trip time and pretty common hours, in addition to growing his revenue by $30k or extra yearly vs. his present revenue.
• Riley could also be content material to remain of their present place as they benefit from the work/office general, the pay is respectable, and there may be nonetheless about $14k left of development on their wage band. Nonetheless, they might want to transfer into extra coverage/administrative work or different sorts of management work of their subject.

Sam and Riley’s Funds

Earnings

Mortgage Particulars

Money owed

Property

Automobiles

Bills

Credit score Playing cards

Anticipated Social Safety & Pensions

Sam and Riley’s Questions for You:

1. 

   Apple pie filling – preserves from our apple harvest

   Is it financially potential and prudent for Riley to return to finish their MSW this fall, even whereas we try for a child?

2. When is the very best time for Sam to drag the set off on switching careers?
   • Ought to we wait till after having a child/ending parental leaves to maintain his revenue steady till then? What if we aren’t in a position to have a child or it takes some time to conceive?
   • We’re longing for Sam to modify so he can get to the elevated pay that will probably be just some years away, and to be paying right into a pension sooner. However, we’re additionally nervous concerning the non permanent revenue lower.
3. The place can we begin to get on observe with getting a clearer image of our retirement potentialities and beginning to work towards them?
   • We haven’t made intentional efforts on this space but since we’ve been centered on saving for the home and paying off debt.
   • Ought to we repay the vitality mortgage (our solely debt with curiosity proper now) or hold making minimal funds to maintain extra cash out there till we work out college/child/Sam’s profession change?
   • Ought to we hold saving to our emergency financial savings account till we have now a 3-6 month expense quantity? Then what? Ought to Riley begin making the elective extra 2% contribution to their employer pension – or ought to that additionally wait till after child/college/Sam’s job?
4. We all know we are able to pull in our spending a bit extra, the place would you recommend we attempt to focus our efforts on that entrance?

Liz Frugalwoods’ Suggestions

I commend Sam and Riley for pulling all of this info collectively and taking a pause to iron out their subsequent steps. I believe it’s noteworthy they’re doing the sort of in-depth monetary–and life–evaluation on the precipice of so many potential life modifications. Very nicely finished! Alrighty, let’s soar proper in.

Sam’s Query #1: Is it financially potential and prudent for Riley to return to finish their MSW this fall, even whereas we try for a child?

Tenting within the yard with our nephew and Bisky

I’m of a number of minds about this, however what retains popping to the forefront for me is that in the event that they actually wish to have a child, they need to simply begin making an attempt. Fertility doesn’t precisely enhance with age–nor does one’s vitality for parenthood–and I’m all the time hesitant to recommend that somebody of their late 30’s delay beginning to attempt. Plus, I don’t suppose there’s ever a ‘good’ time to have a child. There are definitely much less optimum moments, however Sam and Riley are in a steady monetary place, have a loving marriage and, most significantly, a robust need to grow to be dad and mom. What extra might an toddler need?

→My actual questions right here focus on Riley finishing their MSW:

1) Is there a direct, measurable, recognized wage improve/superior job place/new profession choice that’ll grow to be out there as soon as Riley has an MSW?

It wasn’t clear to me if that is so. If it’s not the case, why do the MSW? I’m the proud proprietor of a grasp’s diploma that I’ve by no means as soon as used or wanted and I want I’d finished this meticulous calculation earlier than the blood, sweat and tears (LOTS of tears) of going to grad college whereas working full-time. Should you don’t have to do that, why do that to your self? Should you’re not going to see an instantaneous and instantly correlated wage improve, why do it?

Then again, if there’s a measurable distinction, go for it! It seems like Riley’s accomplished credit will expire in the event that they don’t end the diploma quickly, so it looks like it will take advantage of sense to complete it now. I’ll say that going to grad college whereas parenting an toddler AND working doesn’t sound tenable (no less than, to not me), so I warning towards assuming that’ll work. If, nevertheless, Riley can full their MSW earlier than a child is born, that might positively be a mark in favor of getting began ASAP.

2) How a lot is the monetary burden?

Thrown proper into the challenges of house possession with some plumbing points (luckily largely coated by insurance coverage!)

Sam wrote that Riley’s employer would reimburse a portion of tuition after the MSW is completed and that Riley’s revenue would stay the identical throughout college. In mild of that, I’m curious what the precise complete price for the rest of the diploma will probably be? They’ve the monetary flexibility to pay for this diploma–relying on how a lot it’ll price.

Sam’s Query #2: When is the very best time for Sam to drag the set off on switching careers?

Since there’s a direct pathway to an elevated revenue and extra steady profession path, it looks like Sam ought to get began on this transition immediately. Whereas it’s not very best to make a bunch of modifications directly, it’s additionally true that there’s no time like the current. Since this can be a years-long course of, delaying it for an “simpler” time doesn’t appear potential. It’s not going to be simpler when you may have an toddler. It’s not going to be simpler when you may have a toddler. It’s not going to get simpler at any near-term future level, so would possibly as nicely dive in now.

To the query on the potential for lowered revenue, the excellent news is that Sam and Riley can handle this by lowering their bills. Let’s discover how they could make that occur!

Sam’s Query #4: We all know we are able to pull in our spending a bit extra, the place would you recommend we attempt to focus our efforts on that entrance?

Anytime an individual needs to spend much less, I encourage them to outline all of their bills as Fastened, Reduceable or Discretionary:

• Fastened bills are belongings you can not change. Examples: your mortgage and debt funds.
• Reduceable bills are needed for human survival, however you management how a lot you spend on them. Examples: groceries and gasoline for the automobiles.
• Discretionary bills are issues that may be eradicated fully. Examples: journey, haircuts, consuming out.

Sam & Riley’s present annual take-home pay: $88,870

– Their present annual bills: $73,872

= $14,998

This can be a nice financial savings fee and it’s allowed them to construct their emergency fund again up after shopping for a home. Nonetheless, if Sam’s revenue lowered by greater than that distinction, they’ll want to scale back their bills. The excellent news is that they’ve lots of discretionary line gadgets, which implies they’ve lots of flexibility in the place/how they make up the distinction.

To be clear, I’m not advocating for this funds or implying that they SHOULD make all of those reductions. Quite, it’s an illumination of the room they’ve to scale back their spending if they have to as a way to allow Sam to alter careers, to take parental go away and/or to pay for Riley’s MSW. The purpose of this train is for example how a lot flexibility they’ve of their month-to-month spending, which is an effective factor! The place and what they determine to scale back/eradicate is fully as much as them. This spreadsheet will get them began on figuring out the place they’ll minimize.

After they have Sam’s new wage in hand in addition to Riley’s MSW prices and any potential IVF charges, they’ll comb by means of their bills and determine what they’d prefer to eradicate or cut back.

Don’t Take On Extra Debt

Theodore within the blanket chest

One factor I warning Sam and Riley towards is taking up debt to cowl any of those upcoming prices. It appears this will likely have been a behavior previously and it’s a straightforward one to fall again into. However it’s not sustainable, secure or sensible. Riley talked about utilizing a line of credit score for his or her IVF prices and, whereas I don’t know the parameters or rate of interest related to that, I as a substitute encourage them to scale back their spending as a way to pay money for what they want. This brings me to my subsequent suggestion to:

Pay Off The Vitality Mortgage for Central Air

This mortgage is simply $3,828.05, however it has an rate of interest of seven.7%!!! If Riley and Sam lowered their spending per the above for simply 2.5 months, they’d save up sufficient money to pay this off in full! Simply do it.

Since Riley’s pupil loans in addition to Sam’s RRSP mortgage are at fastened, everlasting 0% rates of interest, there’s no motive to pay these off forward of schedule. However, it completely is smart to dispense with the vitality mortgage as quickly as potential.

Sam’s Query #3: The place can we begin to get on observe with getting a clearer image of our retirement potentialities and beginning to work towards them?

1) Fill the Emergency Fund First: $16,552

Sam is spot on that they need to first replenish their emergency fund to a full three to 6 months value of their spending. Between their three money/checking accounts, they have already got $16,552 saved up, which is fantastic! At their present spending fee of $6,156 per thirty days, they need to goal an emergency fund of $18,468 to $36,936. Nonetheless, in the event that they determine to scale back their spending, they’ll commensurately cut back their emergency fund complete.

2) Then Save Extra Money

Backyard cukes!

Whereas Sam is appropriate that they need to start to save lots of and make investments extra for retirement, they’re at a real juncture proper now with many potential modifications on the horizon. And one factor that makes modifications simpler? Having a money cushion. Sam and Riley are doubtlessly dealing with:

1. Prices for conceiving a toddler
2. Prices related to being pregnant/delivery/an toddler (they’re notoriously unreliable and costly)
3. Prices for Riley’s MSW
4. Lowered revenue for Sam whereas he modifies careers

That’s lots of balls–monetary and in any other case–to have within the air directly! If it have been me, I’d begin spending rather a lot much less each month and stash that cash in a high-yield financial savings account. That approach, I’d be capable of cope with any and all the above bills.

3) Subsequent, Save for Retirement

As soon as these 4 variables settle out and Sam and Riley have a strong grasp on their new bills and life with their child, they’ll flip their consideration to growing their retirement investments.

I encourage them to not wait too lengthy for this since they’ll wish to reap the advantages of remaining invested available in the market for a lot of many years earlier than they should withdraw the cash to dwell on in retirement.

Abstract of Suggestions:

1. Decide the monetary foundation for Riley finishing their MSW:
   1. Whether it is certainly going to result in new profession alternatives–and the next wage–go for it and don’t delay so that you just don’t lose any of your current credit score hours.
   2. If Riley’s profession and wage will stay the identical, take into account very rigorously if it’s well worth the time, stress and expense.
2. 

   Tomatoes from our backyard

   If you wish to be dad and mom, get began immediately:

   1. Fertility shouldn’t be a type of issues that improves with age.
3. Have Sam look into beginning his profession transition coaching now:
   1. No time like the current, particularly if you’re keen to…
4. Scale back Bills and Save The Money:
   1. You have got lots of discretionary and reduceable spending classes, which implies you may have lots of choices for lowering your month-to-month bills.
   2. Trimming right here and there’ll allow you to simply dwell on a lowered revenue, replenish your emergency fund and have the money to pay for different main bills, equivalent to IVF.
   3. And bear in mind: you don’t should eradicate/cut back these bills endlessly. Only for now as you navigate this transition interval.
5. Repay the Vitality Mortgage:
   1. You possibly can have this paid off in below 3 months in the event you cut back your spending per the above suggestions.
6. Don’t Tackle Extra Debt:
   1. You’re SO CLOSE to being debt-free (apart from the 0% pupil & RRSP loans and your mortgage). Don’t let your self slip again right into a debt/payoff/debt cycle once more. Save up the cash to pay money for IVF and no matter else you would possibly want.
7. Make investments Extra For Retirement:
   1. As soon as issues have settled down when it comes to turning into dad and mom, Riley’s MSW and Sam’s profession change, begin saving and investing extra for retirement.
   2. Preserve your extra cash in money for now as you navigate all of those modifications.
8. Preserve us Posted!
   1. Amongst different issues, we demand child footage.

Okay Frugalwoods nation, what recommendation do you may have for Sam and Riley? We’ll all reply to feedback, so please be happy to ask questions!

Would you want your personal Case Research to seem right here on Frugalwoods? Apply to be an on-the-blog Case Research topic right here. Rent me for a personal monetary session right here. Schedule an hourlong or 30-minute name with me, refer a pal to me right here, schedule a free 15-minute name to study extra or e-mail me with questions (liz@frugalwoods.com).