I have $16,500 in savings. Husband and I have $7,000 in joint savings. I think he has around $10k in personal savings. We have $6k in a vanguard investment.

We make around $170k gross. It rose some over the last few years. I know we need more in savings. Live in a HCOL area (not DC) and contribute more than 10% to retirement though don’t max out. It’s hard.

We’re 44 and have around $4M saved. I’m not sure the exact split between retirement and taxable - maybe 1/3 vs 2/3? This does not count home equity or 529s. Our HHI is usually around 300-350k but has been as high as $450k a few years due to bonuses. We also had two one-off payments around $300k each. One was from the sale of a rental and the other was from an employer that sold.

Anonymous wrote:Good thinking, OP. We have started to save consistently in brokerage accounts a few years ago. Before that, all we made sure to max out our 401(k)/TSP. We now have about $1m saved. HHI (now) $1m.

How much do you save each year in your brokerage accounts? How old are your children and how many do you have?

HHI income about $360k (gross)
$2.3M in 401ks and Roth IRAs
$310k in taxable investments (but we're about to use some of this for a kitchen reno!)
$240k in 529s for late elementary kids

We're mid to late 40s

Mid 50s
HHI about $500K

Non-retirement savings ~$4.2M
Retirement Savings ~$4M
529s for 4 kids ~$1.2M
Home equity ~$1.6M

Anonymous wrote:On that income you should be saving a lot more... where is your money going?

If you are referring to the 600 to 900 HHI post - not sure. We are approaching $5m net worth in early 40s, and after maxing out all tax advantaged stuff try to save $12k in brokerage and $2k in 529s every month. Thought we were doing ok savings-wise. Income has steadily increased to this point, so it obviously hasn't been at this level forever.

DH just retired at 59.5. He has started to move some funds from 401k when the market is up because he doesn't want to pull from his 401k when the market is down. So, in those months, he would have cash to pull from. Cash is in a high yield money market fund. Currently around $300K.

I will retire in a couple of years, but won't be 59.5. So, we want to have a decent size cash reserve to live off of when the market goes down. Aiming to have $450K or so in that account that we can pull from if required for the next six years before I can pull from my 401k.

HHI is $170k now, it was closer to $300K before he retired.

HHI (gross) is $275k and have right about $500k outside of retirement and 529. About $150k is earmarked for college beyond what I have in child’s 529.

On that income you should be saving a lot more... where is your money going?

42/41. 650 to 900 HHI depending on bonus.

Retirement Savings (401k/Roth IRA/HSA): $1.9 million
Other Savings (Brokerage + Cash): $1.4 million
College Savings (529): $425k
Home Equity: $900k

Mid-40s, HHI $460K, $150k outside of retirement, $2.1 mil in retirement, $510K in 529s for 3 kids (along with GI benefits for 1).

We've been saving about $10K in brokerage per month for the last year, and plan to reach $1 mil in brokerage so we can retire in 9-10 years. This will be help us bridge early retirement and cash for 5 years of roth conversions.

mid 40s couple, 500k hhi:

1.37 in 401ks
500k in investment acct
80k in savings acct
265k in college savings (2 kids)

Mid-40’s.

150k HHI, 300k in retirement, no savings.

Early 30s, HHI $290k, $400k outside of retirement accounts. We max 401k and every month move money into our regular brokerage accounts depending on how much is left over.

We are mid 40s and make $285K

$1.7M in retirement and $150k outside retirement. We are going to start putting $2K a month in our brokerage account starting in the fall (all from a $40K raise I received this year).