My only debt

other than the mortgage (and my mom’s mortgage) is the car – and I’ve set it up so that my car will be paid off this month.

I also already have a FFEF in place (6 months) and then some.

I think my problem is that I never really did have credit card debt – so I don’t have those snowball payments that can now be applied to retirement, college savings, etc.

Most of my savings was socked away when I lived wayyyy within my means (in a smaller, older home in a cheaper area). Now that I have a much higher mortgage, higher utilities, my mom’s mortgage, a growing child, etc. –
it’s hard to put money in the bank. Thank God I did it when I had it though.

Emma, How far are you with your snowball?

You on step #2? Will you have more wiggle room after step #2? I did not realize DR said don’t count the 3% match as far as your 15% contributions. Right now Im on step #3, then Im going to plan on bumping mine up the same way as yours. Right now my wife does 6% and I do 6% until we get the 3-6 months of living expenses up.
Your doing good so far with your 401K though, you’re still young =).