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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]I would start taking better vacations.[/quote]
This would be my approach as well. I think my family sounds a lot like OP’s. I’m a Fed, and was the primary earner for maybe 3 of the last 20 years while DH pursued entrepreneurial opportunities. After that, DH has earned from 3 to 10x my salary, which has given us enormous financial freedom. I have sadly ended up with around $2 million inheritance over the years, and never thought about keeping it separate.

Once our retirement and 529s were in good shape, we paid off our mortgage and then contemplated things for a couple of years. We are in the stage now where we are comfortable paying up to $500 a night for a great hotel or resort when we travel, and it’s kind of amazing how many more fun things that brings you than the Motel 6 experiences of our youth. We could add more luxury and sometimes do, but even these baby steps are lovely. The biggest thing we’ll do is both retire by 60, which is obviously much easier if you are a Fed with health insurance options. [/quote]

$500 a night for a hotel room sounds completely out of reach. We have always been quite frugal. It’s hard to imagine switching from a mindset of savings to loosening up. We really don’t like one of our cars (2010 CR-V) so maybe our first move should be to replace it. I think we would get more enjoyment out of that than a vacation anyway.[/quote]
I completely understand being horrified by the idea of a $500 a night hotel room. We worked our way up to that level very gradually as our net worth grew, and still only do it for 3 or 4 days max.  Still perfectly happy to stay in an Embassy Suites or Holiday Inn, and we frequently do. But from your comment above, it sounds like you don’t get much enjoyment out of vacations (or else just are extremely excited by the idea of a new car)? That’s sad if true, because there are so many amazing places to visit, even if you never leave the U.S., and experiencing new things together adds spice to a marriage.  In your wife’s shoes, the first thing I’d want to do is take a celebratory trip with my DH. The best thing about money is it offers you options and freedom, and this is a great occasion to get away and really think about what the two of you would like the coming decades to look like. [/quote]

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