u/Ok-Event4454

My wife (23F) and I (24M) are trying to plan for our future and I'd like some outside perspectives.

Our long-term goal is for her to become a stay-at-home mom when we have kids, which we're planning on in about 6 years.

Current situation:

• Combined income: $125,000/year
  • Me: $75,000
  • Wife: $50,000
• No debt
• No car payments
• Rent: $1,500/month
• Total living expenses: about $3,000/month
• We invest roughly $4,000-$5,000/month into a taxable brokerage account
• $200/month into a Roth IRA
• I also have a pension through my job

Current investments:

• Taxable brokerage: $80,000
• Roth IRA: $12,000
• Pension balance: $6,000 (still early in career)

Brokerage holdings are primarily:

• VOO
• SCHD
• QQQM
• JEPI

We'd also like to buy a house around the $400,000 range sometime before or during this transition.

The dream is eventually to replace most or all of my wife's income with investment income so she can stay home with our future children without us constantly worrying about money.

My biggest concern is whether we're being realistic. We save aggressively now, but I constantly worry that we'll get to that point and discover we don't have enough.

For people who have made a similar transition:

• What would you do differently?
• Are we on track?
• Should we focus more on growth now and worry about dividends later?
• How would you balance saving for a house versus building investments?

Any advice is appreciated.

I’m a 24M my wife is 23F who wants to be a permanent SAHM. We make about 125k a year I make about 6k a month she makes 3k a month and we invest 5k a month I am able to work a lot of OT to increase if needed. We have been investing for over a year now totaling to about 80k in investments. In stocks such as:
QQQI large holding
IYRI
PDI
JEPI
SCHD mid holding
SPYI
IWMI
BTCI
PTY
FDUS
CSWC smallest holding
It makes about 9k a year in dividends and she plans to retire to be a SAHM in about 6 years of which we plan to continue investing. Do you think this plan will work and what other options do I have to make this work? My goal is to replace her income through dividends.

Edit: cars are payed off we don’t have debt and our expenses are about 3k a month. We plan to have kids after 6 years. We rent at about 1500 a month looking for something cheaper currently.

Edit: I am a FF/P making it easy for me to do OT and also be home on my days off having a 48/96 schedule.

Edit: We have a combined Roth IRA of 14k and I have a 6k pension that gets doubled at 7% of my income we also always keep 5k in checking in case of emergency.

Edit: wife is willing to work part time

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