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[quote=Anonymous][quote=Anonymous][quote=Anonymous]

$30K/year to retirement 
That leaves $198 pretax
After retirement, taxes, FSA, health insurance premium I see $4660 biweekly.

So $9K/month.
$3K to rent 
$60 water + $70 electric + $60 WiFi + $60/m subscriptions + $100 cellphone
$800 groceries + $100 pharmacy
$200 gas + $100 car insurance + $100 parking. Car is paid off.
$700 student loans
$400 supplemental disability insurance 
$1000 combined summer camp, vacation & annual travel
That leaves ~$2K for school needs (public school), babysitters, entertainment, clothing & shoes, books, health care co-pays and deductible, gifts, sports for kids, accountant, special services like lawyer or financial advisor when needed, car repairs, computer equipment/office supplies, haircuts, pet food/care & vet bills, home goods, gym/exercise (no gym membership), and everything else.
I barely leave home or shop, have no cable/TV/landline am somehow living paycheck to paycheck apart from the retirement savings.
[/quote]

How many kids? Are you saving anything for college in 529s? No other savings coming out?

I recommend a budgeting app like YNAB to really hone in on expenses. Reduce your mandatory spending as much as you can, and then pay down that student loan debt to free up more cash flow.

Your rent is within general parameters of no more than 30% of your gross, it's even close to 30% of your net. But you still have those student loans which are hurting you.

The disability insurance seems high - is there any chance of cutting that down by extending the waiting period to claim it?
If you are contributing to an FSA, doesn't that cover your health care co-pays?

Are you overwithholding from your paycheck? Will you get a tax refund?

Honestly 2K per month for everything else seems like it should be about enough, though.  That's AFTER you have covered your "Four Walls" of food, shelter, transportation (except repairs), and utilities AND you have set aside money for vacations, debt repayment, and summer camps for the kids.

[/quote]

The 700 in student loans and 400 in supplemental insurance is the main draw. 
You actually have 9320 after taxes and retirement and subtracting all of the outlined you have 2570 left per month. Im not sure what your FSA is for if you are paying healthcare copays and if dependent care you are essentially taking out 5000 per year plus 12000 for summer camp and travel so 17k!?

Not to mention there are 2 paychecks not account for with bi-weekly so 4660*2+2570*12= 40k total disposable. You should definitely be able to buy:
school needs (public school)- such as?
babysitters- how many times are you needing a babysitter per month? 
entertainment- you have 60/mo in subscriptions and a 17k summer camp plus vacation budget what more entertainment do you need?
clothing & shoes- you need to track this and shop sales
books- library, use it. 
health care co-pays and deductible - why isn't FSA covering this? 
 gifts- cap to 50/100 per incident and 250-300 per kid for xmas and birthday
sports for kids- 
accountant- for what?
special services like lawyer or financial advisor when needed- for what? 
car repairs- 200 per paycheck =5k repairs saved
computer equipment/office supplies,= this should be a nominal amount. 1500k per year
 haircuts- how much do spend per year?
pet food/care & vet bills- how many pets do you have?
home goods- minimize or shop sales
gym/exercise (no gym membership)- how is the a monthly cost? get some dumbbells and bands and a 20-30/mo subscription
everything else.[/quote]

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