I'm currently 44, my wife (45) and I are going to make approximately combined 275k gross this year. We live off a budget of about 68,000 per year. That includes a vacation budget of 15,000 per year. We're cheap, but not miserable.

We have a child with an established fully funded 529 for college that starts next year.

We have zero debt of any kind - cars and house are paid off - credit cards etc are all paid in full every month.

We have 1.2 million in 401k, and IRS maxing every year at the limit (plus company match).

We currently put 2500 per pay into a brokerage that is just S&P500 index fund.

Current balance is about 300k

We keep a savings account of 5-10k available, and move money to the brokerage when it gets over 10k, to drop it back down to 5k. I also get a bonus every year that goes into the brokerage (unless we have a house project or big vacation, etc). Last year it was about 20k extra deposit.

My goal is retirement in December of 2031, at 49 years old.…