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Reply to "Dual income families, what is your HHI?"
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[quote=Anonymous]I only wish we actually had 401Ks OR could afford to put aside $2500/month to "max out" those retirement accounts...THEN on top of that put $1K/month into a college fund. Of course, our HHI is just past $100K and we cover our 15% to retirement completely out of pocket since neither of our employers offers retirement accounts. My GOAL is to put 10% into savings (but it doesn't always happen) and then on top of that put $200/month into a 529. I keep going back to the average american household only makes about $50K/year, which breaks down to roughly north of $3K/month coming in - TOTAL. So, pay for a mortgage, child care, food, electricity, car payment, etc. out of that. Where do these folks have any extra cash for regular savings and $1K/month in college savings?[/quote]
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