I wasn't going to respond to the thread, either, because I was offended at first, but then I decided to get over myself.
We have a lot of student loan debt right now, and a bit of credit card debt, too, from early in the marriage. Throw in two car payments, rent, daycare, utilities, insurance, groceries, etc., and we have a lot of money going out each month. Fortunately, dh is a teacher making a great salary, and I just changed jobs and received a substantial salary increase.
We have about four months of living expenses set aside in case "something" happens, dh and I are both insured and the $$ is set to go into a trust for Anwyn in case either or both of us die before she's 21, and ALL of our debts are scheduled to be paid off in less than 4 years (this includes the regularly scheduled car payments AND the massive student loan that is still in the grace period and is supposed to take 10 years to pay off).
After all the bills and debts are paid each month, we have a good bit left over. Some goes into savings, and Dh and I have found that we need unaccountable money in order to keep from going crazy, so mine is spent on clothes and diapers for Anwyn. I will really be easing up on the spending in the next few weeks, so I believe I'll be redirecting the money towards both increasing the savings and paying more on the debt so that it will be gone faster.
Oh, and dh gives weekly private music lessons plus occasionally tutors students in math. It's ready cash that I never include that $$ in the budget, so we go out to eat and buy books and games with it.