As for envelopes

he has a company truck so only have to worry about my car. I should get several more years out of it, but will still add to an envelope for a new (to me) car down the road. And down payment on a house is a must. Guess we should look at what houses are going for around here to see what 20% would roughly be. This money won’t pay for college completely of course, but will help in the long term savings for it.