I looked at our budget after putting the money into the 401K and wondered where the money for the rest of it was going to come from. It’s one thing to set a snowball and have some money left over. It’s another to have that amount and then some automatically taken from your paycheck. It took us about a year to adjust to the smaller income and did mean me getting part time work to help our son out with college. It’s all good. My son is in his sophomore year. We agreed to give him 1/3 of his tuition each year and I have his junior year and nearly half of his senior year saved up. My goal is to have this saved by the end of the year so that in January we can start on Baby step 6. You can get there. Just take it one baby step at a time.