Reply to Can't seem to save anything outside of retirement/college accounts. I feel guilty. Is this common?

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[quote=Anonymous][quote=Anonymous]We have a very comfortable income and are able to save a lot (at least in my mind) for retirement and kids' college funds - we fund these accounts to the max allowed (or for the college accounts, to the max we can deduct on our taxes).  Altogether, we are saving about 20% of our income, but I feel like it's not enough because it's mostly dedicated to retirement and college.  We have an ample emergency fund, and other than possible someday renovations to the house, we don't have any particular goals to save for beyond our retirement and kids' college.  But I can't shake the feeling that we should be doing more.  Anyone else feel like this?[/quote]

Have you done any analysis to see if the amounts you are saving are sufficient for retirement or college?  We have found the maximums (like 401K or IRA's  or 529's or prepaid tuition) fall short of what we think we need for both.  So, we save more in a non-tax deductible account but we still think of it as retirement/college.  [/quote]

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