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[quote=Anonymous][quote=Anonymous]My husband is an O5.  I am a SAHM.  We max out our Roths each year and put $500 a month into our kids 529s ($250 each).  My husband transferred his full GI Bill to them evenly, so they will both have two years of college plus housing paid for by the GI Bill.

Additionally, we put $700 to $1000 in a non retirement brokerage account made up of Vanguard ETFs.

We have 6 months of expenses in a savings account.

We both own relatively nice cars, Volvo and an Audi, and we don't have loans on either.  We own a house in another state and our rental income is about $500 above the mortgage payment.

We rent a single family home in Alexandria for $3800 a month.

In non pandemic times, we take one or two big vacations a year, and around five long weekend trips.

After all that, we still have extra money at the end of most months.  We live pretty frugally though.  We get takeout once a week.  I cut the kids' hair myself.   We don't buy new clothes or shoes very often.  We use 3 year old cell phones.  We have a Netflix subscription and no other tv services.  My kids both do sports, but just on local rec teams, so not very expensive.

I think it comes down to how you are spending your money.  My best friend from college is a doctor and so is her husband and they have less disposable income than we do.  And that is because they have a giant mortgage and car loans.  Their kids play travel sports that cost $10k a year.  They eat out four nights a week and belong to a fancy gym and she gets her hair and nails done once a week.  Not to mention the med school loans they both have.

If you really feel like you aren't living as well as other military of similar rank, I would suggest taking a good look at your monthly expenditures.[/quote]

Ignore PP. This is a well thought out plan. What is your HHI, NW and ages?[/quote]

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