Lately, it's been zero.

In anticipation of our first child, my wife and I put the brakes on extraneous spending. Any spare money is thrown at existing debt (which is now only 1 car loan and 1 school loan, thank goodness) and baby necessities.

I'm even packing dinner leftovers for lunch 4 days out of 5 (which ain't so bad 'cuz I cook good)!