Welcome. I'd be curious to see the full budget, not just the "fixed" expenses. What you listed leaves a monthly surplus of about $2,000. Is that accurate or is there a bunch of spending and expenses that you haven't included?
Other than your husband's pension, what saving and investing are you guys doing? Do you have an emergency fund? Are you contributing to Roths? Any college savings for the kids?
Regarding the expenses you listed, the reason I put fixed in quotes is because several of the things you listed aren't really fixed. They are variable luxury expenses that could be more or less depending on what you choose to do. Things like cell phones, home phone, internet, cable, clothing and insurance are all adjustable if needed.
In general, it sounds like you are in good shape as long as there aren't a lot of expenses you haven't listed.
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Steve
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