[tomkat]

1. 6% of my pay pre-tax goes into my 401K.
2. Approx. $1400/month goes into joint savings account (includes All funds from my freelance job ($800/month) plus approx $600/mo from my 1st job pay)
3. Approx. $610/month of my pay goes into my personal savings (which I dip into very often, because I now pay my credit card in full each month).
4. DH saves anywhere from 25% to 50% of his take-home pay each month.

I wish I'd had the sense to save like this earlier in life! Thanks to my avid-saver husband of 2.5 years, I am getting on track as far as saving now! I made 3 fatal mistakes with my money before I married:
1. Not contributing to 401k at my previous job, which I held for 8 years. I'm now worried if I'll have enough money for retirement (I'm 33 years old).
2. I lived with a roommate for 7 years before I married and had opportunity to save a boatload of money (rent and utilities were really cheap, had my freelance job, plus no kids or student loans), but didn't save nearly as much as I should have. Those were my freewheeling, free-spending days!!!!
3. CREDIT CARD DEBT!!!!!