 pretty good financial principles, and we've started to accumulate some decent amount of money, I think, but I'm also worried that with our younger ages, it's still not going to be enough by the time we retire. Okay, how old are you guys? I'm 40, and my wife is 39. Okay, are you both working full-time? We both are, yes. How much do you guys earn together? Together, we earn $300,000 a year.