We don't exactly split things down the middle. I pay for some bills, she pays for others, and it all comes out to roughly the same, give or take.

We have a joint savings account for travel, home improvement, and other things we're saving up for. I've added her to one of my credit cards and I'm one one of hers. As far as shared finances go, that's it.

How will marriage help in this situation? I don't see any complications that OP is facing that marriage would preclude.

My wife and I bought our house two years before we married and split the tax stuff equally.

If your brokerage accounts are home to your long-term savings, no.

If you have ample retirement savings in separate tax-advantaged accounts and your brokerage isn't factored into your retirement planning, then go for it.

The first $100k is just a benchmark. There's nothing inherently important about saving six figures. This is just when your ROI starts to actually feel substantial.

You can expect more than a 3% return from your investments.

The number you're looking for to retire is 25x your expenses. Don't overcomplicate it by trying to estimate what things will cost by then. Inflation will have driven the price of everything up, but the return from your investements should far exceed the rate of inflation.

Maybe you're saving too much for the wrong things. If you don't have a healthy emergency fund, make this your top priority. Keep making your retirement contributions, but all other cash that would go into other buckets should go into this one instead.

It sounds like you have a lot of savings goals, so it may feel like your money is spread thin. Saving up for a down payment on a home will take some time, but other things like affording larger appliances may be getting in the way of your other goals. Maybe it's time to reassess your priorities and figure out when and which goals you want to achieve first, then do the math on how long it will take to get there.

Do you own your larger appliances? If not, don't worry about this goal yet until you near a point where you do (e.g. when you buy a house) since your landlord will take care of repairs and replacements for you. If you do own them, maintenance will come from your emergency fund. I wouldn't consider these things "long term" by any means, and for more expensive purchases like these you can always look to short-term financing in a pinch. For example, I've seen 0% interest rates on appliances if you pay them off within 12 months (YMMV).

I get the feeling that you like to plan for the future, which is good. However, it can reach a point of obsession once you start to realize how many inevitabilities there can be. Save yourself the mental burden by simply building a healthy emergency fund that you can turn to when things go south. Just focus on building it back up whenever you do.

Looking solid. I don't see anything concerning. You can increase your retirement savings if you're comfortable doing so.

For clarity, are you making Traditional 401k contributions, and does this $400 include your employer match? Only asking because you list it below your net income, but Traditional contributions are taken from your gross income (not listed).