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@bestout Only the house in a very HCOL area… put a big down payment but still have a large mortgage

@ambermill4 AC on nonstop for 6 months minimum and watering the lawn… we were above $600 a few months this year

@ositez I do have children but I agree we need to save more…

@tjh 170k - 30% tax (state/fed) leaves $110k. Minus mortgage leaves $77k minus property tax leaves $67k minus two car payments and insurance $53k minus utilities $49k minus avg house repairs $47k minus vacations leaves $32k (I know that’s a big one but not willing to sacrifice that) minus going...

@hopefulinthebayarea Saving more than that. That’s just what ends up in 401k. I have some in a CD and some in savings (I know…bad)

That’s what a quick search online says. I make about $170k per year and have been working for 6 years now. I have $40k. I’m maxing my match which is 4%. I really don’t want to put much more of my income into the retirement fund as I need it for the house, kids, cars, vacations, etc Am I doing...