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[quote=Anonymous]OP, why are you saving so much (79K per year) for retirement?  That seems out of whack.  Vacations are important - making memories.  They don't need to be high-end luxury/expensive but you will regret the chance you had to have these experiences with your kids if you are foregoing in the name of having a super-hyper-comfortable retirement.

Our HHI is $500K, our mortgage is $6K, we save for retirement & college, and we still take 2-3 family vacations per year.  Not of the super-luxurious type necessarily, but we do one ski trip (out west), one longer summer vacay (2 weeks), and spring break a driving vacation to see family.  We're comfortable.  We max out our 401Ks each year, and save 10K per kid per year for college.  We do not expect to have full college tuition saved up.  We'll be paying a portion of tuition out of current year income - which I think is pretty normal.  Also, we do not count on our kids going to private college.

We do not car payments, student loans, or any debt other than our mortgage.  Is that different for you?  I would think you should pay off any debt like that first before you are saving $79K per year on retirement.

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