u/finncodyotis

We have a national park trip booked for mid June and I’ll be 23-24w pregnant. Unfortunately I’ve already been suffering from some pregnancy related pain, so have had to cut back on exercise a lot. I loooove hiking but now I’ll have to take it easy. I’m trying to ramp up my walking so I can still enjoy some of it.

Any recommendations for trails and other things to do which won’t be too strenuous but also not just boardwalks?

Thank you!

My partner and I are trying to think through a pretty major asset allocation decision and would love some outside perspectives.

We live in a very HCOL area in California and eventually want to buy here, but realistically the timing is probably somewhere in the 2-5 year range depending on career progression, rates, and whether we can actually afford what we’d want.

A family member recently gifted us a large amount intended for a future house purchase. The amount is almost as large as the rest of our non-retirement assets combined, so it materially changes our overall allocation.

Before the new inflow, excluding retirement accounts/pensions, we were roughly:
- ~40% cash/cash equivalents
- ~60% invested in diversified low-cost index ETFs

Combined household income is around the level where we’re in a pretty high tax bracket, which I assume matters for the cash management side of this.

The new funds are currently sitting in cash because we didn’t want to make a rushed decision.

I keep going back and forth between:
- investing at least part of it into the market since 2-5 years isn’t that short, especially if we ended up pushing out the home-buying timeline
- keeping most of it in safer instruments like Treasuries/T-bills
- doing some split between cash + etfs

A few questions:
- If you were in this position, how would you think about allocating it?
- At what point before a potential home purchase would you start moving money out of equities?
- For people using Treasuries/T-bills for medium-term goals, what maturities or ladder setups have you found practical?
- Any tax-efficient approaches worth considering for California specifically?

Hi all, first time parents and considering what stroller / car seat to get. We’ve narrowed down our stroller choice to the Uppababy Cruz. However I’m stuck on whether we can keep our lives simple and get an Uppababy car seat like the Aria or if we should choose the more popular Nuna car seat and put up with using an adapter always.

When I looked at some gear review sites, it sounds like the Nuna is considered safer and the better option, but i understand both are technically safe. I think the Nuna model was the Pipa rx.

Any advice appreciated!

Hi! I’m a FTM and just spoke to my insurance about my plans coverage for Labor and Delivery. They said it’s 100% covered after my deductible is met ($100 to go). They said this includes 3 nights hospital stay post delivery if vaginal and 5 nights for a C section. I’m feeling this is too good to be true, so wanted to see if anyone had similar with past pregnancies and if hospitals tend to bill for things not covered under this type of benefit?

Thanks!