My story is this: happily married with 3 young ones. I have 1.8mm saved in cash and investments (401k + investment accounts) plus I own my home (it's a condo) and I own another apartment that is rented that costs me about 200 dollars a month. The equity in the rental is about 300,000 and my home is worth 1.8mm. College is not funded. I think I spend about 200k a year minimum. But I'm not sure and would love any suggestions on budgeting apps. I make between 400 and 700+ a year and try to save every penny I can after funding private school and family vacations (about 150-200+ a year). My plan is to sell the rental apartment when the kids go to school and eventually by another place and rent my current apartment as it should clear 5-6k a month after taxes and association fees. The only problem I see is that I am spending a ton of money every month and I really don't see that changing to much until my kids are out of college. Fire calc says I can do it now. But if this is a new normal as Bill Gross says (2-3%) stock market returns for the next 10 years I think I will be short. If I spend 200 a year how much is enough?