Dry fire daily for 30 minutes between handgun and AR. Live fire at least 3 times a week. Live fire consists of numerous drills and movement. I practice tactics of some type at least once a week, whether that's working a shoot house (live or dry) or vehicle tactics, etc. Once every couple months we practice with a client, live or dry.
90% can be accomplished by dry fire, in my opinion. So, there's little excuse for not training somewhat regularly. Also, I think "training" is a lot more than standing there punching holes in paper. At the very least, we should all be up to speed on numerous move and draw drills. I can tell you from personal experience, this stuff is dynamic and nobody is staying still. We most likely will have to move out of the way of something, so it's a good idea to learn to draw on the move. For me, this is second nature involving no thought, just action. Had I not trained on this very thing regularly, I may not be here typing this right now.
I have a wife and 2 kids, plus a job. I have no problem fitting all of this into my schedule. Now, I do use the excuse that it's for work, but half of it is still on my time. I know that I want to be better than the guy I may go up against. I don't get to pick and choose, that comes down to luck of the draw. So, I better expect that the other guy will have as much training, if not more, than I do, and I need to do everything I can to be better than him.