Let's do the numbers

(1) Max out 401ks - $33,000
(2) Max out 2009 IRAs - $10,000
(3) House project and furniture - $10,000
(4) Add to baby fund - $5,000
(5) Lasik surgery for Mr. Sam - $5,000
(6) Add to emergency fund - $10,000
Total - $73,000

(1) $5318 (16%)
(2) $9000 (90%)
(3) $462 (5%)
(4) $150 (3%)
(5) $0
(6) $0
Total - $14,932 (20%)

With our tax refund, we have done some catch up work but we are still about $3000 behind on our 2009 saving goals.