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[quote=Anonymous][quote=Anonymous]OP. I over-estimated the travel etc. line item. It would be $600 most months so closer to $7000. I have to make a trip to the other side of the country to visit ailing parents and wife goes to Florida to visit her mom. The gifts were items of necessity for parents who are not well to do at all especially mine. We buy used clothes, eat typically at cheap places once a month and watch a movie once every 3-4 months. Typically it's a beach vacation less than $2k. The reason you don't see a mortgage is because our small, old home is paid off but the schools are bad here hence the private. I should have clarified that. Yes, I could stop the donation and 529 but read that stopping 529 is anathema. Wife will hopefully be able to start part-time next year.[/quote] If you have no mortgage and aren't saving, something is very very very off. [/quote]
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