The 401(k) is savings, the equity in the house is savings, the extra $7K is gravy and it'd be $13K if they took one less vacation https://twitter.com/reformedbroker/status/845251220038193152 …
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If it's an actual emergency you can pull from the 401(k)
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I'm a financial planner, I look at household budgets often. $1000/mo for kid activities & $1500/mo charity is too much.
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and by too much I mean not realistic
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Skip TWO vacations, even! Most of us proles can't even afford ONE 6k vaca per decade...
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