You are married and you and your spouse have two children, ages 7 and 5. You both work and your combined income is $42,200. Since you work in different directions, you really need two cars, but you never want to make more than one car payment at a time. Your children's school does provide after school childcare at a rate of $2 per hour per child and you use about 2.5 hours each day. Summer childcare is an additional expense so you try to save for it during the school year so it does not hit you so hard when summer comes. One of your goals is that your children attend college and so saving for this is a priority.