So I finally have financial goals. Short, intermediate and long term goals.
Short term goals, 3 years to pay off credit card, student loan and car debt.
Intermediate goals, 3 more years to pay off house.
Long term goals, have IRA/mutual funds/Chapter 529 funds working for the family by about 10 years.
With this, sorta frugal plan (looking at the realistic numbers) I should be able to free about 75% of my current pay for savings, fun and investment.
Not too bad, just have to plan for the long haul.