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@childofthealmighty The bluntness is appreciated and it’s what I asked for - thank you! We are going to sit down and reevaluate our retirement contributions this evening.

@hisprincess710 We are in the Seattle area, so I would say HCOL but not VHCOL. We have about 3 full months of emergency fund to cover all of our expenses if someone were to be without work. We generally buy a lot of stuff and also have quite a lot of home repairs/improvements going on (old 1940s...

@lanman87 That’s what I pay for health care, dental, and vision. His care is through the VA

@lanman87 Thanks for the positive comment :)

@jesusreigns4ever Our spending is out of control yes, agreed. Partner got a vasectomy last year so kids won’t be an issue.

@dbrown2 We don’t always spend all of it. We bought a house a year ago and much of the money each month goes to a home improvement or decoration item. Seems something big happens every month. Things are settling down after a year and we built up an emergency fund so now we feel comfortable...

@dominion247 Not taken the wrong way at all! We didn’t know what we needed - no family to give good advice. Sounds like we can handle this ourselves with some major contributions adjusting.

@awakeinthematrix We have expensive hobbies and expensive home improvement that we have let run rampant for a few months. Definitely need to reel it in and increase retirement contributions.

@iamgr8tful fun things

@sharone state income tax is 0% and only $194,500 of our income is taxable

@littletim I was always taught (probably incorrectly) that you should only put in what your employer matches... again, both of our families are not in any position to retire so not much help from them. I guess I don't understand the benefits of a 401k other than the employer match.

@sharone The current 401k money is going to broad index funds. But, we need to contribute more is what you're saying.

@sharone Currently in the market for a financial advisor as we desperately need one lol

@kameaux Oops - it should be $322/month (still terrible). It's a 4% match and I contribute 5%. Partner doesn't have a 401k (contractor). Home debt is a new roof and new HVAC system totaling $38,500. Paying it off in chunks but this is the monthly minimum.

@ladydenise226 The 401k should be $322/month and my partner doesn't have a 401k (contractor position). VA benefits. We in total have around 30k in retirement savings, all invested. Still new to being higher earning adults with parents that won't retire so learning slowly.

Finally figured out how to make one of these. We figured we were under-contributing to retirement but yikes... suggestions? FYI - two DINKS under 30 that really like to buy things. Edit: we are currently in the process of hiring a financial advisor as we are still new to making real people...