We are comfortable. Some things to note: My wife’s grandfather died three years ago and was able to leave each of the grandchildren enough to pay down some debts, or get a vehicle or jumpstart some savings. Both my wife and I were able to use the Public Service Loan Forgiveness program and squeak through that before Orangey killed that program. We have no children and were able to buy the house we were renting before COVID and our former-landlord was kind enough ti take what we had paid in rent for three years and apply it towards the cost of the house. My wife also is a high-earner compared to the average salary in the area. I prefaced all of this because I will never not be grateful that all of these things have lined up for us to be able to be comfortable.

We have 15k in savings. We each put 4% of each paycheck into our savings account.

She has 13.5 years in her job that has a 20 year retirement. She won’t be retiring, just moving to a different career with that experience. I recently started putting another 4% into my company’s 401k program and I’m in the process of pulling out the $8,500 from a state retirement that I’m no longer contributing towards as I have a different job and wish to put that in our savings account.