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[quote=Anonymous]I'm 29, and DH is 32, no kids. We have an HHI of about 220k (variable with one in sales). We have about 100k combined in retirement accounts and 75k in cash. Need to take some of that and start investing elsewhere, but when one works in sales without a guaranteed paycheck, it's nice to have extra cushion in our emergency fund.

When we bought our house 2 years ago, we were neither one very good at saving outside of retirement accounts (we lucked into a situation with a very low downpayment during historically low interest rates, we really didn't have the discipline to save for a downpayment). But we started saving $1,000/month that came directly out of our paychecks and into our savings account and it really helped us reframe everything else. Now we budget and save a lot more because it's fun to watch the money grow faster than either of us could have imagined in our mid twenties.

I strongly suggest coming up with a set amount that you either transfer immediately out of your paycheck or set up direct deposit to a savings account elsewhere (Ally works well for this). You can start small - $500/month combined and slowly inch it up as you adjust to your new normal. If you're comfortable now, you probably won't even miss it and you'll be surprised how quickly it starts to stack up.[/quote]

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