Juggling - A 39-year-old pediatric nurse practitioner in suburban Maryland, married to a fellow healthcare worker (RN), with two young kids (5 and 3). Their combined gross income is $156,000/year, and their net worth includes around $250,000 in retirement accounts, $23,000 in high-yield savings, some investments gifted by family, and a house with about $200,000 equity. Both are totally debt-free except for a mortgage and a new solar panel loan; they just paid off $115K in student loans (helped by pandemic interest freeze and a $15K parental gift). Tight budgeting via YNAB and meticulously tracked sinking funds allows splurges on fun, family, and self-care, while coping with high costs for food (celiac child), childcare, and an expensive week (haircut, birthday DJ, vet ER visit for a beloved dog). Both find financial confidence through structure, though she wishes they’d kicked off investing more aggressively years ago.