Beyond that I had to help build my wife’s credit, it was bad when we first met.

We have a 2 years and 7 month old daughter and just had a baby boy on June 3, 2020, so we are really trying to build for their future. That means buying a home, college savings, take them on a vacation or two when they are older, and try to save for our own retirement. This also means our aggressive savings is going to be moderated a bit now that we have a second child.

The growing family means we need more space. We have been together since 2006 and got married in 2014. We have always rented below our means, which meant a modest 1 bedroom apartment and stayed their until our daughter was 6 months and then we moved into a modest 2 bedroom and 2 bathroom apartment. We will stay there for another 6-12 months until the market goes down and while we stack savings and pay debt and then hopefully get into a nice house.