So here are the numbers. I'm going to do a post on my other blog that I will sometime link to via FB about my comments on this. Keep in mind that we don't have a "savings" item on here. I only looked at actual expenses and not transfers between accounts because I might act like a day trader with my transfers among accounts. I could not reconstruct them. We do save other than for retirement, but it's a nebulous amount, especially after we have moved into this house and save for big projects and then pay for big projects. Our new roof isn't included in this because, well, we already had the money saved in an account earmarked for it. However, our new furnace is included because we saved up for that in 2011, using 2011 money.