<prompt> Human: Some basics: Married, 3 children under 18 Taxable household income of 135,000 Homeowner, 9500 mortgage interest, 10,000 property taxes Up to 500 charitable donations every year.I believe our problem started when we refinanced our house to a 15-year mortgage in 2013 substantially cutting our mortgage interest. We paid about 500 in taxes in 2013. My wife claims two dependents on her W-2. I dont claim any. I know were supposed to withhold additional tax each pay period but I already feel like were living just above our break-even point. Are there any steps we an take to reduce our tax burden beginning now?Additional info: No credit card debt 1 of 2 vehicles paid off Contribute 10 into 401k Contribute 250 monthly per child into college savings plan Use flexible savings plan for doctor visits and perscriptionsI believe we live within our means___Edit: Budget infoIncomeMe 1900 bi-weekly netWife 2300 bi-weekly netTotals 9100monthExpensesMortgage 15-year, 2.875 interest, just over 12 years remaining 2550monthHome Equity Loan for new roof, new windows, about 8 years remaining 500monthDaycare 1000month will reduce to about 750month for aftercare starting in SeptemberCar loan 60 month loan, 0 interest 380monthHome and car insurance 170monthLife insurance both of us 170monthWater bill 85monthGas bill for cooking, heating 250monthAuto Fuel 250monthElectric bill 200monthPhone bill landline, internet, TV, 2 iPhones 350monthGroceries 600monthGym memberships 70monthProperty taxes if paid monthly 835monthTotals 7410monthLeftovers 1700monthCollege savings plan 750monthCurrent savings 950monthAssistant: I already feel like were living just above our break-even point I believe we live within our meansThese two statements are contradictory. You arent going to benefit by itemizing. If you also deduct sales tax, then maybe a little. Post your monthly take home, budget, and all debts with minimum payments and interest rates.Edit: Contribute 10 into 401k Contribute 250 monthly per child into college savings planYou need to focus more on your retirement and less on saving for your kids college.Human: OK, let me clarify. By living within our means, I meant we dont do anything extravagant. We rarely dine outgo out. None of our kids have iPhones, we drive economy cars, we are usually the last to keep up with trends.  <response>: Thats not what living within your means means. Living within your means means that you can afford your lifestyle and save for retirement plus whatever other goals you have. 