Reply to if your HH income is around 200K...

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[quote=Anonymous]HHI about $220k.

No kids.

Mortgage/Line of Credit payments about $2100.

Maxed 401k contributions.

I have a car payment $475 for another four years.

Our finances are set up as yours/mine/ours, with $3000 each put into the joint account each month for mortgage and joint expenses (groceries, eating out, household stuff, utilities, travel, etc.). That's usually pretty well spent--sometimes a bit left over to go into savings, sometimes we have to add a little more.

The car payment is eating into my discretionary income, but I had built up a $40k personal savings pile over recent years. DH has his own savings. Our joint savings was doing well until we did about $30k in work on the house (some of which is now in the LOC). Before the new car, I had about $1k in monthly discretionary $ after handing over $3k to the joint account and putting $500 in savings.

We travel, though don't spend exorbitantly. We eat out almost every meal on weekends.

We consider it a very comfortable existence.
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