u/Flat_Plantain9499

We’re 34/29 couple. This club is 5 minutes away and has full golf/tennis/pool/gym.

180k initiation fee(40% is redeemable from future price if we quit)
1.8k dues per month
450 per quarter f&b minimum

Our finances

720k HHI
1m house equity(900k left in mortgage, 2.25% rates, 5.5k PITI)
3.4m liquid + retirement

Main concerns
- no kids yet, may have one in next couple of years and it could be hard to make time to use the club
- income is good now but both work in tech so we’re unsure of the future with AI and industry shifts
- we are probably poorer than most people in the club(most seem to be old rich families or young people from crazy equity events from startup). We’re just average ICs so feel like we might not belong here or fit in.