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[quote=Anonymous]HHI of around 140K with a toddler. Right now, dad stays home with the baby (some side income from consulting, but not his priority right now). Our income covers our needs but not much left over at the end of the day. We're in the process of looking at preschools and realizing tuition is going to require one adjustments. Intention is for dad to go back to working full time, but give current political environment, unclear how quickly that would happen.

Right now we save some for retirement, but not a ton. 10% of my gross automatically goes to a 401k (employer benefit). I don't add anything else right now. We add $2500 each to Roth's for both of us each year. At 30 and 35 we have about $180k in various retirement accounts right now.

We're not doing a 529 for the baby as her grandparents on both sides have started one for her and we expect through that college will end up fully paid for.

With that context, here's my question. I know we're behind with retirement. We just have no flexibility and will have even less when the baby goes to preschool... BUT I know I have a trust fund coming to me one my parents are gone (hopefully in many many years). I have no idea how much is in there but know it's probably at least $1M (each for my sister and me left to us by our grandparents).

How worried do I need to be about retirement given this? Should we work to get our budget down to save more for retirement or are we ok given the trust?

Should we prioritize saving for my husband in the off chance we would separate? We have a prenup detailing that the trust is mine so I don't want to leave him in a lurch... thoughts?[/quote]

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