Without more info it’s hard to say how you are going to do. How you’re currently doing - based on your comments it seems as though the HHI is fairly recent and your networth is below average. But, that doesn’t mean it has to be in the future. You have 20-25 more years to laser focus on building wealth. You can do it if you both get absolutely serious about it. 22 years ago i had a networth of $0. Today that stands at somewhere between a low of $2.4M to $3M (depending on illiquid investments). I did this raising 3 kids and a SAH spouse.

Assuming 1) your HHI remains the same and accelerates; 2) you rightsize your emergency fund and pay off the credit card debt this year; 3) your budget going forward is aggressive towards the savings side and maximizing employer matching ($5-8k/month); 4) your salaries grow but your budget doesn’t grow alongside those increases; in 20 years you should be able to accumulate a nest egg of around $3.5M. It’s all math (compounding returns). It’s a great time to begin investing in the market too. Best of luck!