This was first year I tracked each account, it's value, it's contributions and performance. My 2007 year return was 6.96%.

Ending values for 2007.

Roth IRA me 7.7% return; value $29,133
Rollover IRA-me -2%, value $70,333
401k me 6.7% return; value $41,202
Roth IRA-wife -.88%, value $1,982
Rollover IRA-wife 9.50% return; value $6,870
401k-wife 24.66% return; value $14,165
savings account-both $4000

deposits for 2007:
$4000 savings (this started the EF for us)
my 401k $8575
my Roth $4000
wife's 401k $4338
wife's Roth $2000

We have already added $2400 to savings for 2008. We have already contributed to my Roth for 2008, wife is contributiing prior year to her Roth for Jan-Feb-Mar-April.

My wife and I had an irritable discussion. We need to free up 13k per year to pay for day care (twins are due in June- babies 1 and 2 for us).

We found most of it:
$625 (cancel my Roth IRA payment each month)
$250 (cancel wife's Roth IRA payment each month)
$220 (pay of wife's student loans early.

I remember a budget conversation 2 years ago and I had mapped out a plan to pay off wife's student loans by April or May. Then a few months after the conversation she changed her mind. Now that we need the money the discussion was not pleasent.

It will take $3000 to pay off the loans (to free up the $220/month needed). Loans are small ($600, $700, $400, $700, $550 type ammounts) with low interest (7%).

It's tough when one spouse plans (me) and one does what she feels like (wife).

Irritable discussion- that's our PC term for we did not agree.