on autopilot for the next year and some. I set up individual ING accounts with automatic savings.

We've got a working budget saving enough for retirement, a nice emergency fund, extra money for "the unexpected," to pay school entirely and pay off one of two large student loans before I graduate next year.

In a year and a half we will have:
-Put 10k a year into Roth IRAs PLUS contributed the maximum matched amount to the employer sponsered 401k
-Pay off at least $14k in student loans (Will still have one more and the remaining mortgage)
-Pay the remaining tuition in cash.
-Take a decent vacation this summer.
-Fund my travel abroad rotation (already done).

There is no extra give/cut backs in the budget other than the occassional dining out and I am working on eliminating that now. (This expense is about $100/month). Also no way to "increase" income until next year, when I start working. ALL of my income will be going to eliminate our remaining debt at that point.

Tonight as I write this... It's almost depressing that there's nothing left I can think of to tweak. Of course all ideas for new financial challenges will be considered!

So time for a new goal. As I posted last time I am switching my focus to my health/weight. I'm in pretty good shape, but could lose a little weight, increase the intensity of my exercise, and eat a little better.