I think prorbably $8,000 expenses - $3,000 passive income (including interest + rent) = $5,000 more passive income needed. OP's post was a little bit ambiguous.
420K family income on the east coast will probably be 300K after federal and state tax. For simplicity, rental income is counted as part of of overall income and no depreciation/cost is included. $100K annual expense would still leave $200K saved. This is pretty impressive.
To be financial independent, you have to have passive income exceed expense. Currently your passive income is probably around $3000*12+420,000*0.02=45K. Given your annual expense of 100K, you need to generate additional 55K passive income. If these were to come from index equity investments @5% return (before tax), this would mean a portfolio of $1.1M. If these were to come from index equity investment @ extremely conservative dividend only 2% return, this would mean a portfolio of $2.75M. If not from index equity investment but rather from real estate investment @6% cap rate (assuming real rate before tax 4%), you would need a real estate portfolio of $1.375M. At your 200K a yr savings rate and assuming only 10% of which is in pre-tax account, you need probably another 6-7 years to get to $1.1-1.4M either equity or real estate portfolio, or an ultra conservative 15 years to get to $2.75M. Assume your age of 35, this means that you will be FI in your 40s, which is something you should be very proud of.
A few other variables in this rough calculation: 1. As your kids get older, your daycare cost will go down but there is a need to save for college. You can probably call this a wash right now; 2. Your husband may have pension which can be a big help; 3. Your medical cost may require an additional 20K/yr once there is no employer sponsored insurance (to be technically FI), which will require a larger nest egg to support.
房贷加地税 3000
买菜 1000
老大aftercare 午饭 老二daycare 1000
老大各种兴趣班 Spring camp summer camp 1000
房屋保险 水电气网 电话 车险 停车费 toll 油 1000
vacation 回国（不是每年）父母机票 600
房屋和车维护 全家衣物 双方父母营养品 我自己瑜伽/跳舞课 400
这也要1年10万的税后收入了。可是周围认识的人都比我们送贵的多的daycare，还有几家老大送私立，兴趣班也学的多，经常外食，家务外包或者至少请babysitter，可是据我知道很多家庭收入也就15-20万的样子，这根本不够花呀？难道都完全不存养老金月光，或是老人贴补？
天天听人说人到中年要争取“睡后收入”，经济自由，我觉得自己怎么也经济自由不了啊。现在有大概45 万在银行里收利息，加个投资房一个月大概有3000的收入，我觉得自己管个投资房和孩子已经累的不行不行了，如果要cover 每月的expense，每月要再generate5000的cash flow，至少还要再买/管三个unit，真是会心力交瘁的。请人管就更不合算了，本地的房租能有6%的比例已经很不错了，物业管理公司收的比例都很高。本地房价一直在下跌，股市也在高点，我这些现金应该怎样投资才比较合理呢？谢谢大家！
2.人家不差钱。
3.放index fund.
45万现金+投资房，
好多钱啊！
楼主，你还省了干嘛？你存这么多钱，自己节省，你打算给谁花呢？ ---发自Huaren 官方 iOS APP
单职工家庭收入大概42万的样子，算上了房租和利息。年轻时收入低 习惯节约了，因为一直梦想作flipper要攒本钱。近几年有了老二老公收入增加又更忙了，他坚决反对我做flipper，存款就不知道干什么好了
这里亚裔很多，价格就压下去了吧。
税后42万，花10万，你存那么多钱干嘛？
你老公做什么的？42万工资很高呀！羡慕呀 ---发自Huaren 官方 iOS APP
税前啊 不是税后啊。存钱以前是想做flipper为了攒本钱，现在就是为了不安全感呗，怕有点什么天灾人祸的需要钱带大两个孩子给父母养老呀
omg 大部分双职工也挣不到42w吧
是不是CXO啊？你老公真牛啊
你是来装傻给大家看的吗？
哈哈哈。
税前啊，那就难怪了。扣税之后也就30万了，花10万至多还剩20万，日子可得算计着过啊。投资啊？炒炒股试试吧，最近股市跌不少，正好抄底。炒股最大好处就是省心，无论都少钱，都可以操作。
我们这里算大城边上的小地方，daycare 三年前prek我家就要差不多1300一月。现在至少也要$1500呀。我家现在去学校的放羊after school一月也要300了。lz这两孩子合起来才1000，敢问一下这是哪个大城市边上啊？什么养的daycare啊？
lz想问问45万放银行一个月可以拿多少利息啊？...
全美前2-3%了吧。
用10万，存20万一年。华人的花式炫富让人眼花缭乱啊
月租达到3000的投资房也得50万以上了吧，付清这个再加再有45万现金，楼主做的相当不错了
这好些数字不太合理，下次发帖还得细细斟酌一下 ---发自Huaren 官方 iOS APP
除了45万cash还有一个投资房，其它还有投资什么的吗？怎么投的呢？
42万睡前收入，花10万不算多，不要花心思省那个了，投资好好做是关键。
另外，每个家庭都不一样，消费习惯也不同，不用老跟人比，去琢磨别人怎么过的。我们家邻居很多都是一家几辆豪车，我们家的车都不超过2万这种水平的，但也不见得我们邻居就赚的比我们多，钱花不同地方了而已。
是，这lz这辈子和税前15万的家庭过的日子有区别么？钱白挣了，换几十年抠缩日子。
又看到老公收入42万，啊，气死个人。我是飘了，敢进这个帖子
房子那么便宜的地区投资房居然每月也能有3k收入？难道楼主住小屋租大屋，不一般！
单收入已经42万了，开销只有10万，为什么还要每月5000的收入啊？
如果楼主喜欢flip house，为啥想的都是再买/管几个unit？不是应该买了flip后赚差价吗？
总之，楼主不是一般人！
让自己过好点。你这收入，至少每月可以多花5000刀在提高生活质量上。没有必要想着攒攒攒，45万不够还要攒100万cash在银行。人生苦短。
I think prorbably $8,000 expenses - $3,000 passive income (including interest + rent) = $5,000 more passive income needed. OP's post was a little bit ambiguous.
RE。楼主是真喊穷还是真BSO？
楼主忧国忧民，为我们穷人操碎了心
☆ 发自 iPhone 华人一网 1.14.04
大概一千多。那算一下投资房cash flow 也有两千不到，很好了啊
扣扣索索不说，还顶着隔壁收入15-20万的羡慕，lz真是一言难尽
re~~~~~~~~
me too，借着贴子问一下，一般是说要把税前工资的1/3攒下来，那这个包括不包括401k的钱？
存CD吗
呵呵呵 can't agree more！
这么多钱，就放开了花吧，不要辜负自己大好的岁月。
旅游，带着孩子满世界看看。
下馆子，啥口味的餐厅都尝尝
家务外包，解放自己去做想做的事
这么多钱不花真是省给谁呢？？？
说点正经的建议，话说我不明白lz不上班，两娃都上daycare，为啥会觉得管一个投资房就累到不行？又不是天天要装修，修补东西，把一个房子整理好了不就是固定每月收租的活吗？如果能力强，效率高，再买几个multi family应该也不是大事。45万存款每月只有1000多收入，说明是定期存款或是非常保守的bond portfolio，真是浪费了这么多的capital。lz应该好好学习一下投资，至少买点指数基金达到一年5%-8%的回报。另外，不知道lz住的地方是房价涨得快还是慢的地区；如果涨得快，那你的投资房里capital gain应该占到很大比例，每年算investment return可以算上；如果涨的慢，我觉得一个月2000的收入有点少，你应该看看有什么办法improve cash flow。
楼主不上班，孩子都送daycare和aftercare, 请问到底能有多累？
求指点现在手上的现金该怎么理财
哈哈哈，一针见血，一个大坑大家散了吧！年收入一个人42万美元税前我好奇是什么牛逼的背景？
如果不是，那你是把孩子扔在了怎样恶劣环境的幼儿园里来省钱？
考古了下，楼主LG大滕正教授，楼主妥妥人生赢家
不吃最省，辟谷还健康不是
现金才不到50W 是不是都拿去买房了 还得顾多麻烦
420K family income on the east coast will probably be 300K after federal and state tax. For simplicity, rental income is counted as part of of overall income and no depreciation/cost is included. $100K annual expense would still leave $200K saved. This is pretty impressive.
To be financial independent, you have to have passive income exceed expense. Currently your passive income is probably around $3000*12+420,000*0.02=45K. Given your annual expense of 100K, you need to generate additional 55K passive income. If these were to come from index equity investments @5% return (before tax), this would mean a portfolio of $1.1M. If these were to come from index equity investment @ extremely conservative dividend only 2% return, this would mean a portfolio of $2.75M. If not from index equity investment but rather from real estate investment @6% cap rate (assuming real rate before tax 4%), you would need a real estate portfolio of $1.375M. At your 200K a yr savings rate and assuming only 10% of which is in pre-tax account, you need probably another 6-7 years to get to $1.1-1.4M either equity or real estate portfolio, or an ultra conservative 15 years to get to $2.75M. Assume your age of 35, this means that you will be FI in your 40s, which is something you should be very proud of.
A few other variables in this rough calculation: 1. As your kids get older, your daycare cost will go down but there is a need to save for college. You can probably call this a wash right now; 2. Your husband may have pension which can be a big help; 3. Your medical cost may require an additional 20K/yr once there is no employer sponsored insurance (to be technically FI), which will require a larger nest egg to support.
已经全款付清，比较贵的房子，还是可能吧。
但已经付清贷款，真没必要再来哭穷。
从去年开始搞股市指数投资，一年多点，还是亏几个百分点；买个小投资房租出去两千多，仔细一算还是略亏一点点；存款利息又这么低，到底投资点啥好呢？谢谢！
---露珠这个45万就存银行里?
睡前46-47 万。去掉各式税，医疗保险；放满403， 457， HSA， 一年拿到手差不多25，6万。娃》〉1个， 再上个私立。离经济自由还是有距离的。
自住房还有60多万贷款，投资房比自住房都贵？