I was also putting the extra it in my 401K so I figured I would just put a little less in savings each month. Turns out I got a decent enough raise to keep my 401K where it is at now and be able to put a little more in savings. As far as DH's check, we live well below our means and save most of his check. His works offers unlimited OT so he said he will pick up a couple days each month if our trip funds aren't looking plump as he would like. It was way less than $200 a month our of each of our checks so we are not wealthy by any means.