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I think DH and I fit in the AW category - we used to be UAW and we aren't willing to sacrifice enough to be PAW's....

We put 15% of our gross into our employer sponsored retirement accounts, we put an additional 13% gross into various accounts: efund, freedom fund, vacation fund, IRA, brokerage, etc and we tithe 10% gross to our church.

So technically we are saving closer to 20% (as the other 18% is tithe and future purchases savings) it's not enough (in our minds) to allow us to retire super early.

With that said, within the next 12 months our combined income should increase 25% and we decided we would increase our standard of living only 5% of that, the other 20% will be taxes and savings (taxes always take a big bite out of life).

So, we are AW - not PAW's.

Especially since we haven't hit our annual income in net worth yet... (I guess that's ok because we just started 2 years ago, with a very heavy student loan debt load - started 2 years ago cause we screwed around for the first 8 years and got ourselves into debt and had to dig out of it).

My expectations are that we will hit net worth = annual income within 3-5 years with a combination of savings and student loan payments.
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