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[quote=Anonymous][quote=Anonymous]We have a HHI over just over $200K and two kids in preschool.  Yes, kids are expensive and preschool for two adds up and it's an expensive area, but still. We do modest vacations, have a nice (not huge) home just outside the beltway, two mid-range cars.  We're not quite pay-check-to-paycheck but we're not far from that, and we're certainly not putting away a huge amount for college and retirement.  (To be fair, we did save for retirement at a good rate before the kids came into the picture.)

I know that $200,000 isn't by any means wealthy for this area, but shouldn't we be able to to have a bunch of cushion if we are not throwing money away?

[/quote]

Our HHI is around $225-250K depends on the bonus.  Are you carrying a lot of debt or did you overpay for your house? with what you described, you should be living more comfortably than you are.  Not trying to be insensitive, but perhaps you need to look at where your money is going. While $200K is not wealthy in the DC area, it's still a respectable amount of money.  I feel blessed to have the income we have, and feel we are better off than many of our friends.  [/quote]

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