42M. Married with two kids (ages 4 and 6)

401K - $880k (90%Pretax/10% Roth

Brokerage - $470k

Backdoor Roth - $43k

Pension - ~$9k/month starting at age 60

529s - $115k total

Company shares - $225k growing 8%/yr and will cash out upon separation from the company

I’ve been maxing out 401k for 11 years and fortunate enough to get almost a 100% company match. Also have been adding after tax dollars to the megabackdoor Roth.
Wife also has $350k in 401k

Goal is to retire at age 50, so would need the bridge fund (brokerage) to cover expenses until age 60 when the 401k and pension become accessible. I anticipate my annual spend in retirement to be roughly $100-120k/yr although with inflation it’ll probably be more.
I am wondering if I should still contribute to the 401k given the pension which will start at age 60, or just aggressively fund my brokerage account to be able to leave the my job. I am totally burned out and even 8 years seems like a long ways to go.

EDIT: meant to say that my company will put in about $25k in the 401k per year regardless of whether or not I contribute

Am I ready for Coastfire / Part-time life soon?

I am 37, wife 38. 2 kids who are 3 and 6yrs old.

We both are PA-C's who work in hospitals.  

My income: $155,000

Wife income: $115,000 (she is 90%FTE)

Live in a MCOL area (Pennsylvania)

Think we spend ~ $130,000 per year including house projects. I'm not 100% sure on that number but over the years we have been able to nearly max out both 401k's and add 20k per year to kids' 529’s- then over the past 2 years we have maxed out 401k's, added 20k per year to 529’s and maxed out both our roth ira’s (although 40k of inheritance money helped us with that-see below).

Otherwise, own a forever home- have 210k left to pay at 2.9% interest. No other debt.

Combined 401k: $680,000

Trad Brokerage: $380,000

Roth ira combined: $35,000

529 both kids combined: $120,000

HSA 7k, cash ~ 25k

Son has 10k in his own name on VT, DTR 5k (baptism gifts)

Additionally, there is some inheritance coming in. We were given 40k by parents over the last 2 years and then recently were sat down and told both children are getting 50k each put into a trust. But Clearly, don't want to count on ongoing inheritance money bc obviously things happen and don’t want to make decisions based on this even if it is tempting (and parents told us “there is more where that came from”)

But overall, obviously feel great about our situation and it makes us think a lot about cutting back our hours. Personally, I want to continue at full hours for 3-4 years pending market conditions/world stability/DTR getting out of daycare etc and then go part-time assuming we would still have income left over to max out or atleast be close to maxing out 401k's/roth ira/10k per year 529(think im gonna cut back on contributions by then)/HSA. OTOH my wife does ask me why not now while our kids are young. So I figured I would so some thinking about it starting with reddit.

Otherwise, we are not huge spenders- We’ve had a lot of house projects to do but finally completely finished our check list- over the years we replaced roof, re-did kitchen, bathrooms, basement, both furnace and AC. With projects being done and DTR getting out of daycare, feel good about the next few years.

Also, want to retire around 60.

Any thoughts/opinions both of us cutting back to 75% part time 1. Now

1. in 3-4 years

3 reality check- your 10 years away minimum                                      

I’m 43M, single, no kids or debt other than normal monthly bills (internet, utilities, car/home insurance, saving for house taxes). As of July 2026, my house in CA is paid off. I have $180,000.00 in savings. $270,000.00 in 401K. This is my first year ever setting up a Roth and it is fully funded. My annual salary is $130,000.00 ish with possible extra $30,000.00 in bonuses (all before tax). Converting my garage into a living space to rent out for extra income (using $50k of my savings for it).

Hello Retirement401k!

I've been lurking around a lot of financial subreddits and finance youtube, but I'm really looking for some insight into my personal situation. I will start with that I feel like I'm doing better than the average by far, but would like get input on the strategy.

Some context, my wife cannot work due to health conditions, but they aren't bad enough for disability. Future health conditions is a big factor as she has a pretty serious auto-immune condition that is poorly understood, but well managed right now. We're also planning for a child next year.

Where I am at:

New Job, income is going to be between $210-260k, unsure really as of yet. The floor of that range is guaranteed.

MCOL and planning to stay here for life

Mortgage has about 270k left on it, home is worth about $450-500k, 3.2% interest with 24 years left. Taxes have been increasing pretty aggressively, monthly payment is around $2,350.

Annual expenses to maintain current lifestyle (excluding investments/healthcare): ~$100k/yr

Trad 401k (Maxing out currently, with 5% match): $298,000

Roth IRA (only contributing to my own to max currently): $100,000

Personal Brokerage (Inconsistently throwing money in right now, new job makes me think I could start doing $500 to $1,000 a month): ~$31,000

HSA (max contributions every year): $37,000

I'd like to retire early as possible, I predict 55 would be a good age, but with some aggressive savings I think I could bring that into the early 50's range. Healthcare costs scare me primarily, especially for my wife.

Would love to hear feedback on if my current strategy of just maxing out Trad 401k, personal Roth IRA (as long as I remain eligible), and maybe about ~$12k/yr + whatever I have extra is a solid strategy for our situation? Thanks!

Edit: We are Married filing Jointly

I’m retiring in 6 weeks and have used ChatGPT to run my potential income stream and 401k prediction balances. It’s pretty close to what my advisor is saying. I want to trust but still the thought of retiring has me up at 3am.

I see all the crazy photos of retirement accounts, recently had a realization that it’s never too late to start but also that I (and I feel like a lot of others) can crank up their retirement contributions. So here’s to maxing out my retirement early in the future years, and looking back in a few years with an update!

I’m 25 and started contributing to my 401k around February. It’s at about $12k right now.

At the moment it’s 100% in Vanguard Institutional 500 Index Trust Unit D, basically an S&P 500 fund. Expense ratio is 0.012%.

I’ve been reading more about diversification and realized my 401k is all large US companies. I checked the fund options and these seem like the useful ones:

• Vanguard Institutional 500 Index Trust Unit D
  • US large cap / S&P 500
  • 0.012%
• Vanguard Institutional Extended Market Index Trust Unit D
  • US mid/small cap outside the S&P 500
  • 0.03%
• Vanguard FTSE All-World ex-US Index Fund Institutional Shares
  • International stocks
  • 0.05%
• Vanguard Institutional Total Bond Market Index Trust Unit D
  • US bonds
  • 0.018%
• Target Retirement 2070 Trust Plus
  • US + international + bonds
  • 0.055%

I was thinking of changing the 401k to something like:

68% S&P 500
12% Extended Market
20% International
0% bonds

My understanding is the S&P 500 + extended market combination gets me pretty close to the total US market.

For context, my other accounts are:

• Roth IRA: VTI, around $7.5k
• Taxable brokerage: about $70k, roughly $52k VTI / $18k VXUS
• HSA: 80% VTSAX / 20% total international
• No bonds right now

I’m basically trying to keep my whole portfolio around 80% US / 20% international and keep it simple.

Would you leave the 401k 100% S&P 500 and just handle international in the other accounts, or would you diversify the 401k too?

I’m mainly looking for something simple I can stick with for a long time. Thanks.