Here's the breakdown of the options:
(a) Buy a House - As all the newspapers, radio, and television broadcasts are apt to remind you, now is a great time to buy a house if you can afford to as prices are at record lows, interest rates are at record lows, and the selection is still pretty good to get into a good neighborhood. Everything says that now is the time to move, but realistically the soonest that will happen for us is in about 1-2 years since we need to save roughly $500 a month to afford a down payment. It is doable, although it will not be all that easy. It will mean bringing lunch to work daily for a year for both of us, not going out to eat - which we already rarely do, taking the bus/cycling/walking as many places as possible, and not incurring any large bills along the way. We've already begun to build our credit through the socially deplorable credit card system (that is worth a whole other entry about the decrepitude of credit cards) and through paying down my student loans. While setting a decent financial standing for ourselves is a good start, it will still be a stretch to get into the areas that we'd want to buy in, especially considering that we are trying to avoid buying a second car. In order to avoid that additional purchase, we would need to move within the Seattle metropolitan area that is readily connected by transit and light rail to the downtown core. It's better for our health and pocket book to live somewhere that is not car dependent.
(b) Go to Graduate School - This is not necessarily in conflict with buying a house, but that is very dependent on where I can find a program that is a good fit. The public health progam at the University of Washington will definately be applied to, but the main problem there is that the faculty does not focus on what I would like to focus on, meaning that while I could go through the program and graduate and get into the field I long for, my field of expertise would be different than what I'm currently most interested in. Graduate School, like all post-secondary education, is an innately selfish thing to do - it is all about you. The programs that interest me most are on the otherside of the country, as the west only has a handful of accredited programs. This would mean a complete change in our lives that I'm not entirely sure we want to do. I've always said that the Seattle area is one area that if you don't leave when you are young you will never leave, and it feels like we are getting enough roots down here that moving will be more difficult than it would have been a few years ago. It is not impossible, but with all of my doctors here, most of our family here, and the hubby finally beginning to get some work experience, it doesn't feel like a good time to leave. Graduate school is something that I feel I must do, but the timing of it is less certain.
(c) Health Considerations - The past year we have been lucky in that I've been pretty healthy, except when it comes to side effects from the medication I was one. Now that that has been stopped, we get to choose between the other possible options - all with worse side effects, or not going on any and taking the chance of a relapse. Plus there is the whole family planning issue, as none of the approved medications are safe for pregnancy and require washout periods for the medication to leave your system before even starting. In addition, none of the other possible medications are approved by my insurance, meaning that we'd be paying much higher monthly just to received the meds. Health maintenance is expensive once you have a "pre-existing condition;" as a result I need to maintain health coverage through an employer while going to grad school because it will be near impossible for me to afford to self-insure for the two years it would take to get the degree. Most jobs grant insurance benefits at 30 hours a week. Being a full time student while working 30 hours a week sounds really taxing from my current perspective. The hubby is currently self-insured, meaning we also have to pay for his health coverage unless he gets a good full-time job with benefits. It is situations like this that make me long for nationalized health care. The stress of how we can manage to keep ourselves covered is enough to make us not want to pursue our passions.
(d) Career Considerations - As has probably become clear, neither the hubby or I are currently in the fields we would ultimately like to build a career in. We'd like to do something that is both creative and intellectually fulfilling; I'd like to travel more and feel like I'm working for a higher mission than just making profit. I can't pursue my interests without going back to school. He can't pursue his without drastically retooling his skills as the field of journalism has changed dramatically since he graduated from college. We both can't leave our current situations at once, as we need an income to survive on. I'd have to say that the vast majority of people we know from our graduating classes are either unemployed or under-employed due to the current economic mess. That does not inspire us to cut all safety nets of our current jobs to pursue a career, and yet we are both frustrated by our situations.
Basically, one of these issues is going to have to be decided upon in the next few weeks in order to move forward. It just feels like we are stuck in a holding pattern, like our choices are few, which is not really the case. Maybe I'm just overthinking everything again. It makes me anxious to contemplate stepping out of my safe job in my safe community to do something selfish like go to school. I should be lucky that I am even in the position to make such decisions, especially as a woman in a first world country. If only there was a way to have the path elucidated without such animosity and uncertainty - makes me feel like a wuss sometimes.
