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[quote=Anonymous]You are doing great. This was me from 2013 to 2021. My partner made about the same amount as your husband. 
I worked evenings and weekend bringing in ca $20k a year. I learned to stretch every dollar and I still do, because I like it. I invested most of the money I earned from my part time job.
My partner bought a condo when baby was 4 months old. Looking back, I wish they hadn't. We would have been better off renting the whole time. Renting now and rent just went down. 
For you, 401k up to the match, not the max, then both Roths, and then regular investment account. The long term capital gains in regular investment account could be $0 in the future. That's not the case with 401k. 
Don't worry about the 529 too much. Put some money in there to make you feel better, but it does not beat Roth IRA or even RIA.
Biggest mistakes have been buying  several properties  over the years even though they were for living and nothing really went wrong. Second mistake was not maxing out Roth early and not managing my own money.
Do the math on real estate. I did, and after 30 years, I could buy the condo we rent, the one next door, and have money left over. Same result with houses I looked at. Buy when math and needs change.
Live below your means, learn to invest, learn all about taxes and retirement, pass the knowledge down to your DD (and your Roth IRA), and stay healthy.[/quote]

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