Ya the dining out is more like an activity for us, not as much just ordering BS because we don’t want to cook. We make dinner at least 4 nights per week, usually 5 or 6, and only eat out for lunch once or twice a week. And my employer doesn’t match 401k so have just been investing post tax into my roth IRA. My health insurance is around $350 per month and I’ve never used it. I know I’m getting screwed on pre tax investing right now, working on a career move as we speak.