What Is This?

Welcome to With a Wife and Two Girls, a personal finance blog detailing how a middle class white man, 32, with a wife, 31, and two little girls is surviving financially in Upstate New York. Week by week, I'll post updates on our investment portfolio, financial goals, credit cards, bank accounts, and other finance-related issues affecting my family.

Today's post shows my family's finances as they stand right now. I'll go into more detail about each item as time goes on, but these are the broad strokes.

Our investments include:

• $74,000 in 403b accounts with American Funds and Fidelity
• $33,000 in Roths with Fidelity
• $2,300 in Stocks
• $1,500 in Savings Bonds (both EE and I)
• $2,000 in personal savings
• $17,000 in home equity
• $500 in silver
• $4,000 in various investments for the kids (detailed later)

Our liabilities include:

• $158,000 mortgage
• $48,000 in student loans (damn wife!)
• $14,300 in car loans
• $18,000 in credit card debt

The debts we owe are pretty substantial, but the worst part (credit card and car loans) are at 0% and this isn't going to change anytime soon.

Tomorrow I'll focus on our 403b accounts.

Deal of the Day:

$100 Chase Free Checking account bonus with Direct Deposit by March 31st. Requires $100 in new money and the following coupon code: 2945382127083393 Good luck!