re: How does a family do it financially

What you do is slowly start scaling your 401k contributions back a little and don’t tell your wife, you’re already saving plenty. Then you start direct depositing that extra paycheck money into a separate account so you can do hood rat things with your friends like roll into Vegas with 15k gambling money and when you lose it all you just keep that sorrow locked up deep inside, it leaves a scar, but you will avoid being shanked upon returning home as the responsible husband who knew when to quit.