 Okay, we have roughly $4,500 in monthly expenses, and I'm putting away 50% in a pre-tax 401k, keeping our tax rate low this year to help transition into NYS, New York State Healthcare, for zero premium plans, so medical and retirement will be free with minimal co-pays. No upfront deductibles, and if we need more money, we can pull from our cash reserves for travel so it won't count against our income.