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Thanks for the advice. Bongo2 was right - it is 10% total, but I'm expecting to continue the same level of spending for the next 3 years and at the same time, increase our saving levels to 15% within 5 years and 18% by 2015. Our HELOC was used for the purchase of our house to avoid PMI...

Hello everyone - I love the site - just discovered it earlier today but I've already wasted a significant amount of time reading through other posts. I'm 32 with a wife and 2 boys. I use excel to track all our spending, college funding and retirment goals and have been doing so since getting...