text:  There you go. That's your answer. You and your spouse are going to sit down and start putting 15% of your new combined household income. Yeah, how much will she make, or is she making? She's a florist, and she's starting her business, so it's going to be about $25,000 initially. Okay. Okay, so whatever your household income is, 15% of that at Baby Step 4 goes into retirement. You don't have children yet, I assume. No.