<prompt> Human: I feel like this started off good - the guy talks about how important budgeting is to him - but it quickly derails. And the whole ideal budget versus real budget is kind of bizarre. I get they are wanting to pay off student loans and move to a higher cost of living area.To cover the familys expenses and desires comfortably, the Schocks need to earn at least 125,000 a year before taxes. However, they actually earn 142,000 a year before taxes, which brings them very close to the 143,000 a year they estimate needing to live a happy, balanced life.I feel like PF would rip this apart. 2400 on hair and nails, wants to spend 3000. While only contributing 6033 to retirement. Looks like they have two car payments. They could knock those student loans out easy with their good incomes if they rebudgeted.  <response>: Regardless of how the spend their money they are living pay check to pay check, and the most alarming thing to me is the lack of savings going on here. What happens if an emergency hits, or one of you loses a job... you dip into the retirement savings?My household income is very similar to theirs and my budget looks completely different. For a start we put nearly 25K in a retirement fund a year, and around 15K in personal savings. I also have a mortgage 3x the size of theirs, which is their ideal.They are doing it wrong.I earn in s, but converted to as I assume the majority of you are American 