Standard of living

Your standard of living is based on:

Take home pay less:

1. Short-term emergency saving

2. Long-term retirement investing

3. Premiums for all forms of insurance, health, including auto, property and casualty and disability

4. The cost of preparing for survivor benefits; life insurance, mortgage insurance, etc.

And loans limited to auto and mortgages with zero credit card debt.

So, are you living within your means?