For me, coffee is so far down in the noise as to be ignored. But it's also made in my kitchen. For my family, in order (note, not CA): Health insurance, Mortga

For me, coffee is so far down in the noise as to be ignored. But it's also made in my kitchen. For my family, in order (note, not CA): Health insurance, Mortgage, Food, Taxes, Day care. Transportation misses by a long shot, maybe a factor of 4 from taxes, and 2 from day care. If I had to cut something, Day care is the easiest chunk, as it's not strictly necessary, but it's a sanity thing. (This isn't quite accurate, since I haven't added in the company contribution to taxes, but I have to health insurance. Anyway. )