<prompt> Human: Good Morning personal finance. This might sound like a weird question thats pretty simple. However it occurred to me the other day that over 70 of my household income goes to expenses, and we investsaveenjoy the other 30 Not exact percentages. So, since my wife and I are using most of income for expenses does that constitute the terminology?We have enough in the bank for 6 months in case of emergency, but that was from savings before we were married. Our net income at the end of the month is usually under 100 after everything. We budget for everything, so in our opinion it doesnt feel like were financially tight.  <response>: If you have an emergency fund, then youre not living paycheck to paycheck because you dont need your paycheck on date XXYYZZ in order to pay a bill on XX1YYZZ. Youre doing just fine. You can always do better, of course, and in the long term should probably look to put away more than 100month. 