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Before our son came along, my wife and I had saved up about 12K. Now she's a stay at home mom and money is tight; we're dipping into savings instead of putting money in. I still put 5% of my income into my 403B plan (educations version of a 401K).
Like Apex said, it's tough being the sole provider for a family. That being said, I'll take the love and support of my family over the material things any day.
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