<prompt> Human: My wife will be making 180,000 to 200,000 a year in 2 years after her training is over we can safely assume. Right now we have 125K in the bank but last year we were both 1099 so prob 25K in taxes coming up. I pay an ungodly amount of taxes My goals are to retire when Im 65-70, and to be able to pay for college and a house for my future 2 planning on 2 children. right now I live comfortably, too comfortably as my wife and I have a 6000 credit card bill every month not including mortgage. I feel like this could be A LOT less. Ive seen budget templates on the internet but they all seem kinda crap. What categories should I break expenses down into, and what how do I know what is a reasonable amount. I want to live as though our total income is 65K a year. I also wonder, is it a good idea to invest in farm property? My family has a farming background and my parents tell me its a good tax shelter, but the cheapest property around them is 900,000 investment, which seems like too big of a risk. Right now the interest on my savings Im getting from the bank is less than inflation, so I have to do something with it or Im basically losing money. plus I hate taxes, so Id rather not pay so much if possible. Thank you. Assistant: Do you have an accountant?Human: Yes, should I be asking him these questions? He didnt seem to have any ideas.  <response>: Get a new accountant. 