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[quote=Anonymous]Pretend like you didn't get the raise.  Don't plan on a next house -- you are already paying a lot for a mortgage.  You are young so you should maximize your 401ks, put money into investments and pretend like it isn't there.  You won't believe how fast middle age will come; it's right around the corner.

If DH could be laid-off once he could get laid-ff again.  I know it seems like a lot of $, but factor in any unpleasant surprises (a special needs kid, private school because one or both of your kids needs it, health emergency, car accident, aging/sick parent, etc etc etc) and that can easily wipe out your gains.

I would keep living at your current level, pay down debt (school loans and cars), don't buy a new car, don't buy a new house, don't push your lifestyle up.

I bring home roughly $8500 biweekly and it's really not enough at this stage of our lives, with aging parents, a kid in private school, older cars, dental work.  Our mortgage is rock bottom ($1500) which is the only thing keeping us in the black each month.  We are rather frugal in our lifestyle and still it's tight, with a lot of expenses that were not really thing we were thinking about when we were younger. [/quote]

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