OK, so I follow the budget board, watch all the Oprah Financial shows and have bought David Bachs automatic millionaire. How do you know when you're on the right track? For example we save a lot for retirement but I wish we had more in an emergency account. Is that OK? How do you think that you are doing? Are you happy with where you are financially? When is enough saving, for example 15% of your pay, enough? What do you think?