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52k in 28 months on 42-64k income.

We got our taxes filed early! Returns dropped last week and we have officially paid off our mini van and have 1.5/3 months of our emergency fund jump started! We will have that finished out in 2 months. Sooner if we get a stimulus, but never depend on the government to solve your financial problems!

Moving forward we have adjusted our budget to operate off of my income. Wife’s at home with the 18mo and 4 year old. She has Child support from her first marriage which is officially being diverted into college funds. Majority of which, about 500$ a month to our oldest (12) fund to play catch up. Small portion to the 4 year olds and smaller to the 18 month. 3% income to Roth IRA (6%match starts in August) - have picked up a steady side gig catering and with moms furniture hustle we are looking good moving forward!

We are blessed to live in a family owned townhouse and just pay bills, property tax, insurance and HOA. Can save about 1.8k a month minimum.

Goal is to be into BS3b by the time my match kicks in at work. (Or before) then we will increase contributions to the two youngest college funds and keep stacking up cash for the house!

Realistically we could stay where we are for 6 years. Saving 20-25k a year...to never financing again!

Sorry for the rant - you all know it just feels good to put the plan to paper and get feedback.