Longjumping-Nature70 t1_iu7avlf wrote on October 29, 2022 at 2:31 AM

I think you are doing just fine. Probably better than 95% of Americans are doing right now in your age group.

You are putting enough money away, I say live a little. Life is also meant to be enjoyed not just meant to be worried about your retirement.

You have 35 years for your money to grow. Assuming 8% growth on your husband's income you will have over 3,000,000

If you work for 40 years, the retirement nest egg will be over 4,000,000.

That is just your husband's 401K.

Throw in your Roths, you will be very comfortable.

Add in your husband's pension which is probably 34% of the final three year's average annual salary.

And you probably contribute to Social Security also.

findingnemo202020 OP t1_iu7b7ym wrote on October 29, 2022 at 2:33 AM

Thank you! We do have some fun. :) most of our hobbies are low cost (fishing, hiking, etc). so we don't spend much on hobbies. I am planning a good trip for us next year though! Maybe the Keys or a trip to Coasta Rica.

I'm also aware that whenever a kid gets added to the mix that will cut into what we contribute, so I'm buffing up what I can before that happens.