Yes. And this is the stuff that I need to kind of "prove out" to my wife that if everything is absolutely perfect, we can afford it. Literally any hiccup means digging into savings or emergency fund. It's no way to live in my opinion...

I agree. I think that if we had an additional $1000-1500/month it would be perfect, however that could happen

We do have 1 baby! Lol but yes we need to start looking at all the "extras" we get and go out to dinner only once a month maybe

$700 is all in, with a few trips to restaurants, all alcohol, etc. That's 100% of our consumption per month but could be cut more as we shop at Aldi and Costco exclusively, and buy 1/4 cows for freezer beef that last us about 18 months. Does that seem high?

Maintenance on cars, no kidding, should be about $200 a year. We drive about 6k miles a year per vehicle so we are looking at 2 oil changes per year per vehicle. Won't have to even think about other maintenance or tires for a few years.