Argh. Frustrated. DH and I both contribute to our 401k's, so I feel that we are saving for our future, one thing that is very important to me. Then, we save throughout the year to get through the summer, because he's a teacher and doesn't get paid in the summer ( I work, but we still need my earnings plus the $5k). So we save more than $5,000 for the summer. Between saving for our 401k, and saving for summer, it's so hard to save in an emergency fund, which I try to, but always fall short, or end up using. I just feel like I have so many pots of money that I need to save up, and there's not enough coming in to save!!! Then, don't even get me started about saving up for a down payment on a new house, and saving for the kids college fund. HOW on earth do people save for all of these different things while still living a life and paying monthly bills?!