M$D: Done.
Meet Aurora.
Aurora’s main concerns, in her own words:
We are a dual income, one child family, who already has a million dollars saved for retirement.  Our emergency fund is only at $26K and we don’t really budget our income (almost $250K).  Should we reduce down our future savings to boost our lifestyle now or work to really budget our money better?? In fairness, we take two nice vacations each year but still feel strapped for cash monthly. Our power percentage is 34% but we’d like to make it higher.  Do you have any thoughts on where to go from here?? We have wills and our son (7) has $85K set aside for college.