February 15, 2016

My kid and Making Strides: Notes from Month 12

We have all survived a WHOLE YEAR.

Sleep-crying is a thing. It’s as pitiful as sleepbarking (by Seamus, not LB) is cute: real baby cries but you can’t comfort them because they’ll actually wake up and then you’ll regret everything.

I used to hold my breath a lot: would these snorks and soft sobs wake hir or would ze shuffle off to sleep? Don’t know why I bothered. Oxygen deprivation for me wasn’t going to affect the outcome for hir. Wakefulness was either a need for a cuddle, or a full bore scream and arched back of misery that meant FEED ME. Which, in my sleep deprived haze, would often be misinterpreted as “I’m sad, soothe me”. Less than 1% of the time is the latter, why do I always forget?? Oh right. Sleep deprivation.

But it got easier

Ze cried all the time. For months, it was a constant cycle of crying baby, change hir diaper, soothe soothe soothe, feed the baby, soothe soothe soothe, crying baby, try again.

We walked hir, we rocked hir, we patted hir, we sang, we shushed, we passed out sitting up with a baby cradled in our arms.

Not a single thing made hir sleep better or more.

Then ze stopped. Either ze got older and less anxious or hir needs were being met. Who the hell knows? All I know is ze wouldn’t sleep through the night for months. Some nights, we’d be up with the dawn because we’d hardly gotten back in bed much before that.

There was that odd night back in Month 4 ze slept through for a solid 9 hours like a horrible, torturous carrot ze was dangling in front of us. It would be 3 months later before it happened again for a few nights and then it’d stop.

Suddenly, 4 or so months after that ze did. No warning. Just started sleeping through and waking at 5 am. Then started sleeping until 6 am. Once, ze slept til 730.

Lesson learned? It can get better. But nothing we did had any influence over it. I used to be terrible at dealing with uncertainty and after a hard year of training find that while it may not be comfortable, it won’t keep me up nights.

But not easy-easy

That’s not to say we don’t still have our moments of frustration. As ze grows and explores, ze will confuse and frustrate us. We forget, every so often, that ze is just a baby still because ze has grown so fast and is so amazingly interactive.

My favorite age

A friend said that whatever age you’re at, you’ll revise that to be your favorite age. I used to love babies best at Months 3-6. But now I think he was right, I adore LB at this age even more than I did when ze was fresh-baked, or when ze was just learning to lift hir head, or when ze finally learned to hold hir own bottle.

I miss those earlier days with that sort of wistful nostalgia when I realize ze is no longer willing to cuddle. Once ze became mobile, that was the end of baby+mom liedowns together. Ze simply cannot stay still, period. But despite all the exhaustion running after hir now, I love it.

Now is: climbing onto furniture without help, proudly showing off “gentle pets” for Seamus, mischievously crawling and poking at sleeping Dad’s face, industriously pulling down books and folded laundry faster than I can put them up, mad dash crawls with top of the range squeals as ze tries to beat me to the Forbidden Anything Zones, curiously tasting anything ze touches and pulling faces, then sticking out hir tongue for me to remove tasted and rejected item.

Now is a busy time. There’s the nonstop exploration of all the same things, repeatedly. The thrill of discovering new things in the recycling to bang around and share with Seamus. The excitement of pulling out Legos to share with me.  Discovering how to put things back where they came from. That last is a much coveted skill but as I understand it, it’s going to take some time. Ze’s working against muscle memory and instinct when putting things back in the box, you can see this when ze places a Lego back in the box, ponders for a second and grabs it back out.

The first step is the hardest

LB took five steps in a row, racing toward hir teacher with delight. Ze has been trying hir sealegs since, taking a step or three here and there, aiming hirself for a relatively soft landing or hurling hirself the rest of the way at us.

I adore hir face

Even when ze is crawling right over my throat to get to the toy on the other side of me, across me being the straightest line from Point Baby to Point Toy, I adore hir.

Ze might be in danger of being spoiled if I thought love was money or love was indulgence, but I think love is support and boundaries and equipping hir with as much skill, knowledge, and confidence to take on the world.

Therefore, no, I will not pick hir up every three minutes just because ze would like to hitch a ride and they always pick me up at daycare! They surely do but I am not a mule-momma and I need to conserve my strength for the most important things.

Oh, right, more importantly, as my parents always said: we say no, and we tell you the hard truths because we love you. Someone who didn’t love you would have no interest in doing the difficult jobs that help you be a better person.

May I always have the strength and clarity to love and guide LB as I was loved and guided in the early years.

Here’s a question for you

It’s been fun putting together monthly updates but now that ze has achieved a full year, we’ve stopped counting in months. Would anyone still like to see monthly updates or have you had enough?

Earlier…

Month 11: Rising Up
Month 10: Going Boneless
Month 9: Tasting Life
Month 8: Exploration
Month 7: Ambulation
Month 6: Becoming human
Month 5: Toes
Month 4: Velociraptor Claws
Month 3: Growth Spurts
Month 2: Hates sleep
Month 1: Banshee

January 19, 2016

My kid and Rising Up: Notes from Month 11

Socialization

I hate it but it’s time. It’s time for this kid to meet people who are not me or hir dad on a regular basis.

Mostly I hate the idea because I don’t want to socialize but it’s considered child abuse to put a nametag and leash on and send hir out with Seamus to go play. Or at least it’s negligence. So here I go, sucking it up to make this thing happen for hir because this child is all about human interaction. Weird.

Ze firmly believes that no stranger is destined to stay that way and has initiated more casual conversations since being able to hold hir head up than I have my entire professional career. Ze can’t speak words but can sucker strangers from across the room into make absolute fools of themselves making faces for hir enjoyment. I’m not sure if you’ve ever encountered dudes who looked like they just rolled off the WWE set and threw on sweats to grocery shop, but every time we do, LB is determined to make them play using only intense staring and smiles. And it works every time.

Meanwhile, there’s me griping about having to put on pants today so we can go out in public.

Separation anxiety what?

Everywhere I turn, people gush at how engaged LB is, and then in the same breath reassure me that separation anxiety is coming, if it hasn’t struck already. This explains a bit of it. Though I was expecting anxiety, this kid is incredibly independent, far more than I ever was before, oh, 25! When there’s someone or something cool to be investigated, that’s far more important than making sure that we’re around. Ze is remarkably secure, and yes, I’m quite certain ze loves me plenty, I’m pretty secure too, and that’s pretty cool to observe.

It’s fun, and bemusing, to watch hir select new people to bond with and just make that happen with a sunny grin and infectious chuckle. I don’t even know how ze does it, that certainly didn’t come from me. It might be the charisma in the family that I didn’t inherit. There were lots of talents in the family I didn’t get (and did reasonably well without), but it’d be like watching SuperMe if ze is anything like me PLUS has extra talents. Whoa. An independent SuperMiniMe. Bracing myself.

Species Specific….

I have a sneaking suspicion that ze and Seamus are mixed up. Ze holds out hir hands to him for “up!” He wonders why ze gets “table scraps” but he doesn’t. I know we call hir puppy but ze is human, so we probably want to work on the distinction a little.

My favorite part of going out with the two of them is counting their social conquests. Seamus is still ahead by an average of 3 encounters per trip, but they both have strangers stopping to talk to them or casting compliments their way.

We ought to send the two of them on the road to earn their keep. Not yet, though. That pesky child negligence thing.

So helpful

I was just wondering when I could put LB to work around the house. Our little destructor takes apart anything that’s put together, pulls down anything that’s put up, tears up and eats any paper in reach. I don’t bother picking up after hir until ze has done a thorough wrecking job, that’s just a fool’s errand.

Ze has always had a fascination with the front-loading washing machine, often holding onto the window with both chubby fists, leaning hir forehead against the bubble, watching the swish and thump! with open mouth and wide eyes.

I was unloading the last load of the day when ze popped up at the washer door again. This time, ze reached in to grab the spun dry clothes, sniffing, and experimentally licking them. “Can I have that?” I asked. Ze handed the washcloth to me and turned back for a sock. Lick. “Can I have that?” Ze hands it over, shakes out a washcloth. Lick. “Can I have that?” Piece by piece, we emptied the washer together.

SOON.

Sharing is … eh

LB loves to gnaw on things, so much ze loves it. And ze obviously loves me because ze thinks I should partake too. It’s cute. But it’s not a signal that ze is civilized yet, as clearly evident when ze is with other critters approximately hir size. Ze just reaches out and takes what ze wants. This is normal, but we’re now working on the concept that we don’t grab things out of hands.

We demonstrate this as adults: we ask hir for things back and don’t simply grab it back like you might when the kid has no concept of giving.

Then we worked on this with blocks. Ze would have two blocks. I would have none. Ze would either offer me a block, of two, or I would ask for one. Ze would give me Block 1. Then ze would try to grab it back but before hir hand could, I’d offer it back. Soon, there was a tiny pause after ze gave me Block 1 where we’d make eye contact and ze would wait for the offer. After a few rounds, Block 2 rotated in. I ask for, and get, Block 1. Then I ask for, and get, Block 2. Then I offered both blocks back. Repeat. We could play like this for twenty minutes. It’s just a start and a kid hir age probably isn’t going to be so willing to engage in trading, or know what the heck is going on, but I like that ze is now waiting a breath to be offered the toy before grabbing it.

Rise Up!

Coming into the 11th month, ze was comfortably cruising along, holding onto things for support, but one day, ze started doing freestyle squats: Carefully standing up with no support and then clapping with glee. Lowered hirself back down and stood up again. More glee!

Ze is a very strong baby and I’m going to credit hir home-gym circuit training for that. Pull-ups on the refrigerator bar, balancing on the stroller, legwork on the climbing boxes.

So far, 11 months in?

Parenting is sort of fun. Not the sleepless nights, not the worry, not the diapers oh my nose not the diapers, not all that stuff. But it’s well balanced by what LB has brought to the table. Giggles, personality, mischief. An intense need to get into everything that reminds me that Mom’s “someday, you’re gonna have a kid just like you and you’ll deserve it!” curse is alive and well. Though truth be told, this might be my sibling’s curse transferred because Dad points out every so often, LB is way more clever and interested than I was at this age. Thanks….? Though I can do without ever hearing “just wait until…” again. Let me enjoy this moment, alright? Geez.

We are happier, generally, because there’s always a source of hilarity, whether it’s laughing with hir or at hir. Especially when we’re running our Who has the best picture of hir looking like the saddest panda? contest! Call us mean, call us opportunistic, but don’t say we’re slow to pull out the camera when ze is having an unwarranted cry.

There’s a whole litany of things people focus on losing when they have kids. Sure, we don’t have the freedom to just book a weekend away, or the funds to randomly splurge on something pretty. That’s ok. We didn’t permanently lose that. We simply traded it for our wonderful, curious, charming, adorable wee puppy warrior for now.  And that doesn’t feel like a loss at all.

Like Meg, our work-life balance is getting better thanks to having hir around. It’s not perfect, but it’s still awfully nice.

Earlier…

Month 10: Going Boneless
Month 9: Tasting Life
Month 8: Exploration
Month 7: Ambulation
Month 6: Becoming human
Month 5: Toes
Month 4: Velociraptor Claws
Month 3: Growth Spurts
Month 2: Hates sleep
Month 1: Banshee

December 21, 2015

#Hamiltunesing at home

We’ve been enjoying Hamilton so much that it’s permeated our every day. The creativity of translating the American civil ha-ha just kidding Revolutionary war, focused on Alexander Hamilton’s life, into a musical is amazing – the breadth of musical references, historical references, literary references (was that a MacBeth reference? It was!), the combination of the early colonial language with hip-hop cadences and slang are perfection.

When’s the last time you were so thoroughly earwormed? It’s not possible to include all my favorites, I’d just end up posting the whole musical.

I’ve a sneaking suspicion that part of the overwhelming charm of the whole thing is how gracefully Lin-Manuel Miranda handles the explosion of love and admiration: taking the time to share more of their music even though they’re already on Broadway. Check out #Ham4Ham, it’s astonishing how much energy he and the cast bring to giving his potential audience a show.

I haven’t yet read the biography that the musical was based on but this makes me want to.  The musical doesn’t try to make us love Hamilton by glossing over his mistakes and flaws, they’re showcased alongside his genius and accomplishments. And the flaws of the Founding Fathers (save for George Washington) are right there with Hamilton’s.

All this to say: I am loving the musical and am trying to figure out how we squeeze a trip to New York to see the original cast into our schedule and budget.

Parenting: Hamiltunesing with my baby

Who knew having a baby who’d go along with your musical shenanigans would be so fun?

Encouraging LB to stand on hir own, take a step, or do squats: RISE UP!

With a fantastic aside from George Washington on not taking the easy way out

Giving hir a bottle in hir room

Sing and lure with the bottle: Do you wanna be in the room where it happens, the room where it happens, the room where it happens?  Answer: *rapid crawling after me*

Thinking about hir future and the world we live in

Dear Theodosia (naturally)

Bonus: Ze will stand up and clap along to this Ham for Ham:

Careering

Living with ambiguity while others excel and advance

Don’t be Charles Lee

Meaning, don’t: Take a role with responsibilities you won’t shoulder, run away from the disaster, then run around badmouthing your boss. Poor form all around, dude.

Note: Check out George Washington being classy. “History will prove him wrong”, indeed.

What’s more important? Career or Family?

Before LB was born, a father figure and a fellow workaholic tried to find a gentle way to tell me: enjoy this time. Ze will only ever be a baby, and a child, and my cuddly little one once. And it’s so important not to miss it like he did. I’m glad I’d already learned that watching him or I’m sure old workaholic me wouldn’t have understood his good intentions.

Relationships

Oh King George, you’re pretty much like every creepy ex boyfriend who couldn’t deal

This is going to serve as a cautionary song for LB and everyone in hir generation. Kids, if your partner talks like this? GET OUT.

*** I lied, I had to add one more favorite: YORKTOWN ***

So much to love here:

Immigrants, we get the job done!
Hercules Mulligan!
“it’s either than or meet the business end of the bayonet!”
“With my friends all scattered to the winds
Laurens is in South Carolina, redefining brav’ry”

December 16, 2015

My kid and going boneless: Notes from Month 10

Climb all the things!

LB has always been a bit of a Pull Everything Off Everything and Throw it Around kind of kid. Naturally, this is great motivation to get mobile and mobile ze is. These days, we often catch hir doing pullups on the most unlikely objects, and trying to swing hir leg up on said objects in order to escape or get into something. SMH.

Ze has now scaled piles of boxes, the bed, the sofa, and the refrigerator. I wouldn’t worry if ze demonstrated a lick of sense about getting down from furniture that ze does when climbing on boxes – at least climbing off boxes ze holds onto things. Beds? Nope. Just dives off, headfirst. This kid is jonesing for the world record in earliest self-inflicted concussion.

***
LB & sharing. I thought it was too early but ze started offering hir chew toys to Seamus, and then graduated to offering (forcefully offering) things to me. Ze thought I should enjoy tasting the folded clothes that ze was pulling back out of boxes and was quite insistent, mashing it against my mouth.

Ze offered hir auntie some prechewed snacks and saw right through hir fake eating motions. Ze was displeased by the fakery.

I’m seeing shades of past me and past sibling in hir.

There’s a story about how Mom once “had” to take a big bite out of a fake donut my sibling made. Heartless younger-me said: “why on earth didn’t you just pretend to take a bite? What does a kid know?” I’m starting to see why Mom just rolled her eyes, saying HE KNEW.

***
Things that are absolutely hilarious to hir: Scrunching up hir face with a grin and making the zzzzzzzzz sound.
Blowing mostly-spit raspberries. This might be a holdover from pool time when ze was encouraged to “blow bubbles” (baby translation: drink the pool water)
Having us pop out from behind things going BOO!!!
Going limp when we’re picking hir up. Just because. Not even because ze doesn’t want to go where we’re going, just because it’s fun. Ze also likes to hang onto furniture and hang backward as far as ze can like the tiniest gymnast that could. Then occasionally forgets to keep holding on and lands on hir head/butt. Still doesn’t stop hir.

***
“No!”
Ze has been hearing this since Month 4. No, we don’t tantrum to get our way.
No, we don’t chew on electrical cords, do you want to end up like that puppy who could only lick out one side of her mouth?
No, Seamus doesn’t want you to check his mouth while he’s eating! He’s gonna bite you accidentally and then feel so bad about it.

Ze still reacts to “no” with a grin and does whatever “no!” referred to, faster.

That’s my kid.

Speaking of Not Foods, we’ve officially joined Club Dog Food. Oh yeah. That’s right. LB found a dog bowl with kibble in it (fools! fools!) and sure enough, a handful went into hir mouth. Five kibbles later, I’m pretty sure I got them all but I’m not going to feel guilty if I didn’t. You’d quit diving into a chompy infant’s mouth after they sprout a couple of ivories, too.

I swear, ze bites more than 20 years of dogs combined.

Things we enjoyed…

We were reading regular books to LB because we like stress and fending off grabby hands. Ze loved it too, spending most sessions trying to “turn pages” more than listening (anyone who’s seen an infant knows that means “tearing them out”).

We are now converts to the board books, only about 6 months after they would have been super useful. What? We’re fighting clutter.

Earlier…

Month 9: Tasting Life
Month 8: Exploration
Month 7: Ambulation
Month 6: Becoming human
Month 5: Toes
Month 4: Velociraptor Claws
Month 3: Growth Spurts
Month 2: Hates sleep
Month 1: Banshee

We need some puppies…NOW!

December 15, 2015

Reflections on a post pregnancy body and life

Three months after LB was born, life was less than ideal. I was restless, impatient, and struggling to find my place again. And any clothes that would fit.

Then: The closet’s my usual target for a shakedown when I’m feeling antsy but it makes no sense to weed out clothes until my weight settles. The possible casualties of a post pregnancy body:
Two “new” bras that are two Christmases old. Suckers aren’t cheap! hadn’t They didn’t get into rotation before falling pregnant (as the English so elegantly put it) so I don’t get back to normal, I’m out $130 for new bras.
$100 for the tailoring of my wedding dress that has pockets and fit Old Me like a glove.
On the other hand, at least two pairs of shorts would fit me if I stay this size.
Now: I’m still shedding pounds, months later, so the closet is only undergoing organizational changes. No layoffs yet, but a few rehires.

Then: Just one among many things that are uncertain at the moment.
Now: Still true. Less a feeling of frustration and more a feeling of anticipation, though. A touch of the resting winter, preparatory to a new year?

Then: Our taxes can’t be filed by April 15. I hate having to file an extension.
Now: Still hate this but it may not be the case in Tax Year 2016! 

Then: I’ll have to return to work sooner than I like and I don’t know how well that’ll work with LB’s lack of schedule.
Now: Not having answers wasn’t a disaster. Surprise! 

Then: If I want to branch off into my own projects sooner rather than later, this requires a commitment to the one most likely to produce some kind of income. Don’t know what that is, yet.
Now: I still want to but until I can make a few hours to test the right thing, I’m working on the writing project. 

Then: Seamus is rotund and I’m not sure if it’s diet or exercise related. It’ll take some time to sort him out.
Now: He had put on ten pounds of sympathy weight. We cut back on his food and increased his outings, and he’s back to his svelte self. Incidentally, that meant I was getting more exercise more regularly but I didn’t lose much more weight til the Great Flu of the summer and fall. Nothing like disease to manage your weight. /sarcasm

Then: LB is changing every single day. That’s a good thing but at the same time, whatever worked yesterday doesn’t work today and definitely won’t work tomorrow. Keep hopping!
Now: Yep, ze just keeps changing but the behaviors and habits are starting to become a little less wildly different day to day.  Ze has now slept the whole night through to a reasonable hour in the morning TWICE in hir life! 

Then: We can’t make any major money changes right now. Well, can’t and don’t need to. But I’m kinda bored with status quo – I want to be making decisions and making it happen! (probably a sign that getting back to work is a good thing.)
Now: No longer true! We kept on saving all year, I’ve made investments, we’ve traveled and correspondingly spent what we experts in personal finance might call “a crapload” of money doing so. 

November 16, 2015

My kid and Tasting Life: Notes from Month 9

2:15 am.

I’m a fool. Was offered the opportunity to go back to sleep somewhat peacefully and I squandered it. LB got up at 1:30, upset about something, nursed hir back to sleep. Ze was nestled peacefully against my arm so it seemed like the perfect time to put hir in the crib.

Ze protested, but it seemed like a token protest. I covered hir up with a light blanket so it wouldn’t feel like a shock going from my body heat to a cold crib and crawled back into bed. No sooner did I settle: *squawwwwwwwk*

I ignored it.

*squaaaaaakkkkk squaawwwwk*

Still not listening.

*SCREEEEEEEEEEEEEE* for ten minutes.

Ok ok ok geez.

Ze was unbelievably pleased to be grumpily bundled back up into bed with me, even after a half recumbent diaper change because who would appreciate their infant to stay STILL when being changed in the dark? No one, says LB, so to show my appreciation I shall writhe and wriggle as hard as I possibly can which is pretty hard since you feed me so well, and it’ll therefore be impossible to fasten that diaper with fewer than five hands and an elbow.

Ze didn’t try to play when we got back to bed, thank everything, but hir idea of “settling down” was a series of flopping from back to front to back to front to back, burying hir face in the comforter I’d piled at the foot of the bed to prevent another Great FaceFirst Launch Off the Bed, squeaking and doing a Baby Gregorian chant. If I didn’t know better, and I don’t, ze could have been summoning the Greater Gods of Baby-induced Sleep Deprivation. I’m tired.

After about an hour of this, LB was content to mostly stay still with one foot propped on my ribs, the other on my chin, hands reached up over hir head in an attempt to create a tiny human bridge between me and hir father, still doing that odd Gregorian chant / kitten yowl every 20 seconds in case I might fall asleep. Cute. But when ze was evicted from this womb I’m pretty sure there was a clause in there about not kicking me in the ribs anymore. Ze is in clear violation of hir parole.

Two hours later. I realize that ze has finally stopped emitting any sounds and movements have slowed to nearly a standstill. Oh blessed sleep.

***

Related: The baby food lie: blast from Nicole & Maggie’s archives still holds true. I vaguely remembered the information in this post if not the post itself and with full endorsement from our pediatrician (which was nice but not strictly necessary), proceeded with not very reckless abandon.

We are working on food and not food categories. Food goes into the mouth and is eventually swallowed. Not food includes: any part of Seamus. Confidential documents. Electronics. Remote controls. Any of my comic books. My toes – dear god why would you chew on my toes?? Head bands. Shoes. The dishwasher. Power cables. Furniture. Seamus’s leash. Seamus’s collar. Seamus’s toys. Seamus has made a bid that anything associated with him should be off limits to being eaten. I agree.

Things that still aren’t food but I can’t be bothered if ze chews on them: Legos. My arm. Tags. Bedding. Pillows. Blankets. The drying rack.

It’s a steep learning curve here.

***

Mimicry has suddenly started happening here. We always echo back at LB when ze vocalizes because it’s funny, ze has started echoing back at us when we do it to hir. Everything is just funnier when you’re an infant.

Actions, too. If we do a thing, ze tries to, sometimes. Right now ze is in an ET phone home phase: holding hir index finger out to touch PiC’s when he holds up his hand. Ze won’t do it with me, though. I guess it’s just a daddy-kiddo thing.

***

Word babbles are happening. Ze suddenly added about 5 more consonants to hir 2 vowels. Conversations are still not deep but they’re entertaining. Except when it’s “I’m putting your legs in your pants. KEEP THEM THERE” or “STOP worming away when I’m diapering you!” Then I vaguely wish for five months ago when ze could barely flip. But I guess that’s less language and more Infant With Shit To Do.

***

Ze thinks it’s funny to elicit a reaction out of us by licking inappropriate things. I just figured out ze was just playing me when ze leaned over to the wall, glanced at me, waited til I looked, then licked the wall. Then chuckled at my expression.

***

Teeth are starting to happen. Ze was remarkably pleasant when they started breaking through. Then two days later, it all went to hell. Ze was clingy, upset, every little thing was the end of the world. Dosed hir with Tylenol while we waited for the teething tablets to arrive and we were back to normal. Getting new teeth is a tough business.

Best part: ze is genuinely curious about this “teeth” thing and occasionally pries open PiC’s mouth to investigate what’s going on in there. That’s also just a daddy-kiddo thing, ze has no interest in my teeth. I think it’s for the best.

Things we love

LB most preferred to chew on my arms when hir gums were uncomfortable but when those teeth finally poked through, that was a no-go. A combination of frozen teething rings, hard teething toys, and teething tablets saved us all. The tablets were miraculous for those middle of the night wake ups when ze couldn’t stay asleep.

We introduced sippy cups a while ago, but while ze is willing to drink water, ze hasn’t quite got the hang of the whole thing.

Earlier…

Month 8: Exploration
Month 7: Ambulation
Month 6: Becoming human
Month 5: Toes
Month 4: Velociraptor Claws
Month 3: Growth Spurts
Month 2: Hates sleep
Month 1: Banshee

November 13, 2015

529 Savings plans and saving for LB

Like Brian, I’ve been reviewing investing and savings vehicles for LB. As a California resident, my first step was naturally to see what the Golden State had to offer in the way of the 529 plan. Spoiler alert: Nothing awesome.

  • California has a 529 savings plan, but does not currently allow a deduction or credit on your state income tax return for the annual contributions you make to the plan.
    • Note: MEH.
  • There is an overall limit of $371,000 in contributions and earnings that can accrue in the plan for each beneficiary, after which no further contributions can be made.
    • Note: Not a problem.
  • Qualified withdrawals of earnings from the California plan are exempt from state income taxes for state residents.
    • Note: Good.
  • California residents may also make qualified withdrawals from other state 529 plans on a tax-free basis.
    • Note: Good?

Right now, all of LB’s savings are held in a regular online savings account and we’re going to be paying taxes on interest earned. It’s not such a substantial amount that I’m worrying about having to shelter it from our tax bracket, yet, and there’s still quite a bit to learn and research about the best ways to save this for LB’s future education and care needs.

Has anyone already done this and have some thoughts to share? What are your favorite savings vehicles, with or without children in the picture?

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