Cyberisme, thanks for the definitions.

So not having read The Millionaire Next Door yet, I'll have to take a stab and say that my DW and I are probably AAW.

Since we're recently married (last November) and recently moved into a house (3 months ago), there seems to be so much to spend on! :( But, even with that, we still manage to:
- contribute to our 401(k)s, although I'd like my DW to contribute more than she is currently
- put away 10% of our after-tax income into an account specifically for investing
- put away another 15% of our after-tax income into accounts ear-marked for long term expenditures (e.g. our next car when mine dies, a vacation fund, house stuff, etc.). Not exactly wealth accumulation, but at least it's debt avoidance.

I'd really like to increase the amount going into the investment fund to be 15%. I think by next year that will be possible, because our major move-in expenses will have subsided by then (furniture & some remodeling). We should also, hopefully, both have raises. If we manage that, I think we'll be closer to PAW.

--Paul