At 35, a young dad strives to save $4,000 a month

Adam Ligman has it all: a nice home, great job and a super-cute wife and kids.

“I’m fortunate because we’re able to get what we need,” says Ligman, 35, an area sales manager at Intuitive Surgical, a maker of robotic surgical systems, in Pittsburgh. “Sometimes, the extras have to wait, but savings won’t.”