<prompt> Human: Hi PF...first time poster. I got the crazy idea that I would attempt to save either my husbands or my entire net salary for the upcoming year. Were both teachers and after taxes, net about 36K. I also get a decent amount of overtime and have a side gig that pays about 6-7K when all is said and done. Has anyone done this? Is it possible to live on about 40k 2 people and still have quality of life? Any strategies that have worked for you? We are in the NYC area. No mortgage, but we have the traditional taxes and bills. Thanks in advance for the advice!  <response>: Is it possible to live on about 40k 2 people and still have quality of life?100 depends on where you are living and the quality of life you desire. 