Thanks. We better not have to replace a car any time soon, as DH's is new and mine just got a $1800 face lift (or rather, brakes, struts, wheel bearings, etc lift) but I know what you mean.
Increasing the 403b is a great idea. We will probably wait until our day care expenses drop and then put that extra into the 403b funds. We try to increase every time we get a salary raise, but with the kids it hasn't been easy.
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