I fixed the "total income" by excluding your mortgage from FinanceWorks. Now, it shows the correct amounts. You save just $29 per month. You have $1,444 more than the preferred 6 months savings "they" say you should have. So, you could put that into Holly's 529 if you want. You should also try signing up for your 401K again. Try to max that out at $22,000. > From: http://dummy.us.eu.org/robert (Robert) > Date: Tue, 10 Mar 2015 19:23:15 -0700 > > I looked on your bank account and FinanceWorks. > > Apparently, you save an average of $1038.75 per month; i.e., you save > $12465 per year. > > I noticed that the "total income" in FinanceWorks is wrong because it > seems to be counting payments that I make to the mortgage as "income" for > you. So, obviously, I subtracted that. > > Your biggest expenses are retirement, vacation, health & fitness, and > miscellaneous spending.