And please add saving like crazy for retirement, because for people under 40, there will not be any Social Security money left. And, if you have children, star

And please add saving like crazy for retirement, because for people under 40, there will not be any Social Security money left. And, if you have children, start saving for college (at $250K/child for private college and $120K/child for state college). While $250K is certainly a comfortable level for a single person, it is not as outrageous as it may seem to people outside of the really high-cost areas in the US.