With two kids in the house and both of them in daycare, I was really expecting our savings to decrease. However, we have taken some huge steps to make sure that our savings has the ability to increase this year. I mentioned a little bit about our changes at the beginning of the year, but I will refresh your memory. Last year, Our focus was mortgage payoff. We didn’t focus as much on retirement savings or taking advantage of tax deferred accounts. This year, however, we have made a change in our plan. This change has allowed us to increase our savings by utilizing tax-deferred accounts.