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@victoriablackwell Yes, the 10k is the combo our emergency (3 months of expenses) and baby fund. As said, we don't make bank but try hard.

@victoriablackwell I initially said "house, reliable vehicles, 15k and no debt" (wanted more but same boat- living frugal but wasn't making bank). I had to adjust my expectations a bit... we got a small condo instead of a town home (was disappointed at first but its cozy, has a spare room and...