Vivian Tu

Invested.

So in a brokerage and across all of your different things.

But the way you calculate it is you picture your perfect year.

Then you divide by 0.04, which represents that conservative 4% return.

And you're going to get a bigger number.

And that's the number that you're going to want to have invested.

And the reason why I think about it this way is because at $1 million, I would be able to comfortably cover my mortgage.

I will likely be raising children in an incredibly high cost of living major metro.

Let's call it two kids to be conservative.

If I end up with one, I'm still probably very happy and I don't need the second one.

But if I have two, what does that look like?

They're probably going to private school.

I went to public school, but I also grew up in a really nice school district that like my parents bought the smallest house in the best school district so I could go there.

But like in major cities, sometimes it's the luck of the draw.

You may not necessarily be in a school district that you feel very strongly about.

So private school, super expensive, especially at the beginning of their life.

You're hiring a full time nanny that can help, especially if.

both parents are working parents, which we are, which we would be, I'm not pregnant guys.

I don't know why I use the present tense verb that, but like a full-time nanny,

In a place like New York City, that's 135 Gs a year.