<prompt> Human: No long story on how I got here. Im here. Family of 4 1 income. 90k. Can currently save 100-200 a month. How screwed am I?Edit: Ok. Holy crap. Sorry I was working lots of questions. Here you go. 5,200 take home per month. 1800 rent300 utilities 300 car lease150 car ins150 car ins for paid off car 70 Internet10 Netflix 1200 food 3 males 38,8,10 a female 35300 gas200 laundry 300 credit cards400 left over. Fun, kids, clothes, etc. Wife is trying to start a small business. We live in San Diego.  <response>: What is the debt? If its 30k left on the mortgage of a 400k home, Id say you are in ok shape. If its 30k in cc debt, youve got a tough road ahead. Still, 90k is decent salary in most areas of the country, so you can change things up and come out ok, but I would not expect to retire at 62 and live on the golf course with a 2 million nest egg, absent some good fortune coming your way. 