[disneysteve]

I usually sit down and take a look at our savings situation twice a year. If I think there is room to put away a little more, I'll bump up our savings rate by a percentage point in January or July, so now that it is June, I'm starting to think about it again. I currently designate 18% of my gross income for savings. We're doing fine and I think I will push it to 19% as of July 1st. If cash flow gets tight, I can always trim it back, though I have never had to do that since we started saving 6% of our take-home pay 16 years ago and gradually increased from there. I think you just learn to live on whatever you leave yourself. I could probably go up to 20% and still be fine, but I'd rather do it slowly.