I talked to DH, he is now at a new location and do to medical issues he maybe coming home early. Yeah that means a loss of income sooner so we will see.

Any way while talking to him he finally got around to figuring out HIS financial goals. He sent it to my work email so I will find out how we match up on Monday.

One thing he said really made me go "WHAT???". He says after living paycheck to paycheck for so long it is SO HARD for him to think in terms of goals since he just figured he be poor forever. Sure he would be poor forever if he keeps staying under employed like he does now.

We have not been poor in five years; we have spent over 88K on things over 5 years including.

3K student loans (DH)
600 Entertainment Center
400 TV
8K Car loan payoff (DH)
40K House Down payment
1,500 Used Truck
1K table and Chairs
1,400 Washer and Dryer
4K three laptop computers
1K Desktop computer parts
3K Bedroom Set
1,200 Car Body work
15K+ Finish Basement/Garage
600 Stove
9K Special Assessment/Taxes

Note this list does not include small stuff like kitchenaid Mixers, XBox 360 machines, Games etc.

Now at any time one or more of these things could have been not purchased or paid more slowly if we were truly POOR, as my DH thinks we are.

Over the last three years (not five but you get the picture). I have really started feeling the need to save for retirement as the health of DH is going down hill, and we have saved 44K in retirement funds.

If you add 44k to the 88k spent that is 132K; which over the course of 5 years is 26K a YEAR. How is spending/saving 26K a year with no debt living paycheck to paycheck???