Looking for opinion on what to do in our situation.
Wife (US) and I (IE) have been living in Ireland for 3+ years since being married. We are about to file our I-864.
Currently we each earn around ~70k USD from employment in Ireland, but as this is all foreign source income it can not be used for form I-864. We would prefer to NOT have to use a joint sponsor as it is quite a big commitment, but it is possible for us if truly required.
Our assets look like this:
Net property value ~40k USD. Last appraised <2 years ago so it should reasonably accurate.
Stocks and bonds ~20k USD
Cash ~ 31k USD
Taxes owed from student loans ~(16k) USD - note: this is payable as a % of income. If I earn below ~40k USD I am not required to make ANY payment. I am not sure if it is a requirement to include this, but I so far include in all my calculations to take a conservative approach.
There is also a car worth approx 5-6k USD which we will sell when we leave Ireland, but we do not include as per the guidelines.
So in total we will have approx. 75k when we submit the form in 2 months time. Total required for lower 48 is 17,420 * 1.25 * 3 = 65,325
What is your opinion on our situation - do we have enough to be in the clear at time of submission? Is a joint sponsor preferred or will we be ok with this level of assets? (We could also potentially delay the application another 2 months to save another 8-10k.)
Bonus question - does it matter who is holding the assets, the applicant vs the petitioner/sponsor?