<prompt> Human: I know this is basically a non-problem, but should I be budgeting when Im financially solvent? Im married, early 30s. My husband makes around 200k. Im in grad school, currently making around 27k, but will hopefully make closer to 70k within a year or two, unless we have children. Then Im probably going to take a few years off or try to work part time. We have about 100k in savings stocksmutual fundsbonds, about 15k in cash too much, probably, and my husband maxed out his 401k contributions for the past few years. We have very little debt maybe 8k in student loans with a very low rate. Our expenses are rent 2,000, although we would need a new place if we have children - probably 4,000? and the credit card bill is about 6-8,000 monthly. We give some charitable donations but I want to increase the amount this year.Should I be tracking our spending? Ive never learned to budget and never saw my parents do it either. Ive certainly spent less when I had less to spend, but it was never a real plan. How much should we be saving? Can I honestly just spend money without worrying about it as long as we can pay for it? Should I still be saving up for trips and such?  <response>: Your spending is out of control. How are you fire bombing 8,000 a month on credit card payments? Why would you need a 4,000 a month home because you have kids? What do you expect will happen to the value of your degree if you take years off immediately after earning it?If youre defining affordability as can make the payments, you are going to be broke. 