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[quote=Anonymous]We have been at about 165k on two incomes. My spouse is also in education making the lower salary, and I'm a fed with PhD about to get promoted to GS13. (Wish I'd become an SEC lawyer based on this board, haha!)

The main area we feel it is in housing. We bought in 2020, being very conservative and buying a pretty small TH that we would be able to pay for on just my salary, which was 90k at the time. We intended to move up to a bigger SFH eventually. The market has gone so wild I don't think we will ever be able to, so I wish we'd stretched our budget a bit back then, it would be manageable now.

Other than that, we do ok. We have one car, two kids, and can get everything we need and most of what we want. We will be able to pay for in-state college or part of private if kids get scholarships.

We're at the point this year of feeling like we need to have a little more planning/discipline, as we've focused really heavily on maxing out retirement accounts for the last few years at 1/3 of our income, but we don't have the income to do that AND save for major home repairs/upgrades, vacations we'd like to take, and increasing charitable donations. Wondering if it's ok to pull back on retirement a little - calculators say we will be more than fine if social security still exists, but if it doesn't then we do need to save at this rate.

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