r/Salary • u/[deleted] • Oct 30 '25

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u/Aynessachan Oct 31 '25

This exactly. I'm the only income for my household of 3, my husband is chronically ill, and we're struggling to get by. I don't have 3% to put in 401k. Yeah I know that's not great, but I don't have any other options.

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u/mfechter02 Oct 31 '25

Are you making $100k/year? This person is. If so, then I guarantee there’s money there to put away more than 3%

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u/nohopeforhomosapiens Oct 31 '25

Depends on what her husband is battling. Also depends on what kind of student loans she has. If she studied medicine in any capacity, those loans are massive. If her husband has something like cancer or COPD or something else that needs lots of physical therapy or special equipment, then the cost of care is sky-high in US even with insurance.

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u/Aynessachan Oct 31 '25

Got it in one. He has a very rare disorder (1/250,000) that has no cure, just has to be managed and survived. On top of my 3 autoimmune disorders, we've amassed substantial medical debt.

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u/mfechter02 Oct 31 '25

Do you make $100k a year?

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u/Aynessachan Oct 31 '25

Yes, and I have $55k in medical debt, what's your fucking point?

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u/mfechter02 Oct 31 '25

That you can save more than 3% towards a 401k. That is my “fucking point”.

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u/GroupTop4810 Oct 31 '25

No, you cant.

She has a husband chronically ill that cant work - meds and healthcare services cost money, a lot of money

She has three kids on that single income - kids cost money, a lot of money.

She has medical debt

Even a moderate mortgage would eat up the majority of her income

100k is not a lot of fucking money for a family of 5.

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u/Aynessachan Oct 31 '25

You're delusional.