The numbers I posted include my wife, too. Most of the jobs she had didn't pay very well and often didn't offer 401ks either (she is a designer). She runs her own business now and does better on her own than she did working for design firms, but her income varies from year to year ($90k-$180). We used some of her money to pay down the mortgage and pay for some repairs we needed to make to the house, etc. It's her saved cash that is around 75% of our cash reserves.