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[quote=Anonymous][quote=Anonymous]Interested in your thoughts on this - we have a solid 12 months worth of liquid savings, max out retirement, save for college.  Our take home pay after all savings have been accounted for just meets our expenses - we are able to pay off our credit card bill in full, but rarely have more than 200 bucks leftover after all f the bills are covered. We have been really careful about our expenses, but I feel like we are still cutting it too close, but my husband thinks we are doing a good job of living within our means.  Any bonuses go into brokerage accounts or home repairs if we need them. Would you consider us as living paycheck to paycheck? HHI of 165k not including bonuses.[/quote]

OP, I disagree with the grief you are getting here.

It sounds like, after you contribute to your savings, college, and retirement accounts, pay the bills, you have $200 discretionary income -- is that per month or per pay period?

If it is per month, that's not a lot of disposable income.   For a 2 earner family in the DC area, especially those on this board, 165K isn't all that high; especially not if you are paying daycare for a couple kids.

If you are able to make all those contributions to your savings, pay the mortgage/rent, pay the bills and pay for food... and still have $200 extra to play with (vacations, etc.) I think you are doing really great.   But there's a reason things feel tight!

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