One of the things that I would recommend would be to have 6 months (not 3, not 4, not 5, but SIX months) living expenses in an account that NEVER gets touched unless you ABSOLUTELY CAN"T work for some reason. Other than for that reason, the money is forgotten about; no rainy days, no "Oh well just a little ........(whatever), no NOTHING, only if you absolutely can't work.
THEN deal with your daily, weekly and monthly expenses and savings, college funds, retirement funds, etc. like you normally would.
If you and your partner stay healthy and for some reason you decide that you want to go back to the secular world, you have six months of expenses to live on while you find new work (if you need that long).
This is not my idea BTW, just one of the things that was drilled into my head by a man that I look up to and who now owns blocks of commercial/business and residential real estate in different cities but who started out as a legal immigrant with nothing from Cuba during Castro's reign in the 70's.
Just my .02 cents
Thanks, Mark.
Custom Bonehead.
My diet is working good. I'm down to needing just one chair now.
"Just think how stupid the average person is, and then realize that half of them are even stupider!" --George Carlin