Speaking of next steps, the biggest one for me after reaching that milestone was a mental one. I'd always paid attention to how much money we had left each month, but over the last 3 or 4 years, net income minus expenses has become my prime means of measuring how well we are doing. I don't even think about gross income that much anymore. I truly believe that shift in thinking has been behind just about every good financial decision we've made (paying off the house, avoiding cost of living creep, etc, etc). I believe that when a person says "how do I get my disposable income from 50k to 60k", just the framing of the question makes you consider so much more of the big picture than saying "how do I get my income from 100k to 120k".