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[quote=Anonymous]Hon, you're doing fine.  You're just having a hard time seeing beyond the near term and putting savings timelines in the right context.  Soon you will have saved an adequate emergency fund and then you can use that money for other things.  And I agree you don't need to save as much for retirement as you have been.  It's normal to save less during the years that you are paying for childcare.  Your incomes will likely grow.

Here's what you do. 
1) Stop putting so much in retirement.  At least stop the Roth.

2) Stop putting so much in the car fund.  You can finance a car at 0% when you need to.

3) Shop around for cheaper car insurance.

4) Doing those things should free up about $1500 a month.  Put all of that into your emergency fund until it is at a level you are happy with.

5) Put your major savings accounts into a money market account.  That way it will be very quickly accessible, but will earn some interest.

6) When you are happy with your emergency fund, stop putting money into it and put all of your savings into a house fund.  That should give you $2500 a month to save for a house.  You don't need to put 20% down.  Aim for 15%.  But remember, the cost of moving and any new furniture or whatever you might need.

7) Get pregnant!  After you buy the house, you won't need to save for a house anymore.  You'll just need like $1000 a month for maintenance, insurance, and taxes.  So there's $1500 left over for childcare expenses.  [/quote]

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