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Insurance shouldn't be that much... my wife and I have a 2005 Toyota Corolla and a 2006 Mitsubishi Eclipse, both with $500 deductibles and we pay roughly $2200/year.
No matter what you put on a spreadsheet, I assure you, you'll have unexpected costs that don't fit into your "unexpected costs". If you don't know what I mean, you will.
I make roughly $30/hour and my wife makes about $13/hour, and we still save less than we'd like. Other things to think about is retirement... no, it's not too early. Before you're married, you should both put $1000 into a Roth IRA (or something similar). I'm 28 and just starting my retirement fund... I'm screwed... those extra 8-10 years could've been thousands upon thousands (upon thousands) of dollars in the compounded long run.
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