I always find it difficult to make decisions. Financial ones are even harder for me. I’ve never had the option of using a mega backdoor because we already had too much saved in our traditional IRAs to make the conversion to Roth worthwhile, but I certainly think simplicity is a good reason to choose one option over another. In regards to SAHP I am certainly blessed for having the capability and finances to stay home for a bit. Actually it was your email a few months back that made me realize just how blessed I am. I will always be thankful for that 😉

We made large payments to principal to nearly halve a horrendously large one. That was not just an elimination of some debt but also to make the payments more manageable monthly. I want to keep on with those payments because I want to debt free but I struggle with also wanting to build capital for future income. I wish it weren’t just one or the other.

I’ve also not come to a settled conclusion on how to manage our IRAs (mega backdoor or not) but for now I’ve opted not to deal with any conversions to keep it simple.

We definitely choose to pay for childcare instead of either one of us staying home because one SAHP wouldn’t work out well for our nerves or our physical health, and we need his benefits/paycheck and my paycheck to make it here. So that was only partially a choice but it IS what’s best for us.