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Since the mortgage was paid off in 2012, Rob and Sam have turbo charged their savings rate, now investing about $3,000 a month. Even so, they don go without. Sam has a $10 monthly gym membership, and Rob and Sam go out for lunch on the 20th of each month, maybe at Red Robin Gourmet Burgers and Brews in Bowie, marking the day of the month they got married..

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