Budgeting is easier when you have money.Other tidbidts:- Cars are paid off - we buy durable cars and have had them since 2010 and 2013 respectively - My mortgage is less than 10% of my takehome - No loans, paid degrees via cash (Worked while in school) - Use travel points (Southwest Companion Pass) - Eat at home (good, fresh food) - Live off of one spouse's income