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We could probably easily stick within a $90K limit but, with the growth and the general pressure reduction, we have allowed for several discretionary uppers and so we're running around $120K now. Obviously, some lumpy expenses hit occasionally but this feels like a very comfortable, fat number.

Thanks for the nudge. I found this interesting to compare to the originals ... $2.3M in Tax Deferred $100K Roth $100K Emergency $750K Taxable ($500K home equity; $350K in 529s; $120K HSA)

Yes, I did take the "suck it up approach". It's interesting though that, once I didn't overly stress or obsess over the work (being laser focused on saving and retirement), it became easier to stomach!

Update: 6 years since my original post, all numbers have essentially doubled. Thoughts from the group?

@eastnortheast ... Digging this up from the past ... would love to know your "numbers", if you were ok sharing.

Thanks for all the great responses! Much appreciated. Here is some additional information based on questions and comments: DW is stay at home with the kids so no income but no daycare! I'm maxing 401K and I also max HSA (actually, I forgot to mention a $40K balance there). I'm taking full...

Hi everyone, I'm 43, married, four kids from 2 to 10 and I have been lurking on various early retirement sites for a few years but this is my first post. RE is a goal as soon as possible (BS bucket overflowing!) but, with young kids, brings with it a high amount of anxiety. I'd love to hear...