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[quote=Anonymous]We’ve been making about $650k the past two years. Prior to that, HHI was more like $450k.

We contribute $105k each year to retirement, the majority of that to pre-tax accounts.

Retirement balances are about $2.5M in early 40s, and my spouse will get a decent sized pension.

We have about $200k in college savings for 3 kids (middle school, elementary, preschool). That is a mix of our contributions and grandparents. Funding is sporadic.

We are paying about $40k per year in childcare for the toddler, which eats up a fair amount of money that could otherwise be saved.

We have decent post-tax savings, but much of this is due to an inheritance. I always wonder how to account for this in posts like this. Two years ago we pulled $60k out for a home renovation. We will likely pull out a similar number in the next 18 months to pay cash for a new car.

That said, we probably save $40k per year into the post tax account. Thar account is pretty neutral from a cash flow perspective over a multi-year period, but is growing from interest.

All-in, let’s say $125k savings out of $650k HHI, or about 20%. Total NW is about $4M. [/quote]

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