my 35 pound three year-old fell and took a pretty hard hit and I without even thinking, went and scooped him up and carried him to our couch to comfort him and hold him. Of course, if he’s crying, I won’t even think twice about picking him up, but now I am freaking out because on Wednesday I will be four weeks post C-section. What do I do? Am I OK?
First, this is my first time posting so my one ask is to please be kind. if you don’t think you can, please don’t comment!
So my husband and I are 27. We have 2 kids- a 4y/o and another due in 7 weeks. We currently rent as we were not budgeting when we first got married and have spent the last 2 years of marriage getting our ducks in a row financially. We are one income. We have 5 months emergency savings in a HYSA at 3%. we have a house downpayment going in a HYSA as well, as well as retirement being invested in 403B & we have savings for both kids.
A couple of questions -
1.) We were debt free, but last year had an urgent car need where we ended up needing a new car. We purchased a brand new 2026 (as a family member works in a dealership and got us a great deal) & we owe 20,000 still on it at a 4.9% rate. The monthly payment is very affordable & this car is our only debt. How do we aggressively pay down this car without emptying our savings? Since we also have the goal of buying a home very soon we are wanting to be really cautious about touching our savings but are so sad to have this debt over our head.
2.) I am lost on where to invest from here. I would like to open a Roth IRA, but I do not understand brokerage accounts, stocks, etc. I just want to be a good steward of the finances entrusted to us and the money my husband works so hard for. What would you recommend going from here?
I feel like I’m just not doing a good job at all of this. I was so defeated having to buy a car, but I’m so grateful to God for the provision He gave us in all of this. No matter what I want to have a heart of gratitude, and I know God will always give what we need. I just want to do my part in honoring each dollar He entrusted to us.
Thanks for any and all the help!
I am due for my second csection in 7 weeks or less. My first one was 4 years ago due to baby being breech. Same scenario right now- baby is breech, but also hospital doesn’t allow VBACS. i’m so scared to leave my son to go have another csection & have been terrified of something bad happening to my baby or me. i think with our first one ignorance was bliss.
please reassure my heart that all will be okay- give me all the positive stories🥲