Are you tracking your spending? One of my goals this year was to start tracking spending using Quicken or some other means. I purchased Quicken and started to set it up, but even with all the new auto entry subroutines I was still not motivated. I did use it religiously from about 1995 to 2000.Regardless, I have been working on reducing recurring spending this year, and managing cash flows better to realize better returns on contingency funds. We already LBOM, so finding huge savings is tough, but if you can carve away at lots of little things that won't adversely affect our standard of living, then benefits can be realized.So we only need $2,500 extra this year to maximize our tax sheltered savings. This should be doable.--whyohwhyoh
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