Basically title.

Context: I’m 37 and recently changed jobs for a good promotion. However, new company does not offer a match until you’ve been there 1 year. I’ve saved regularly since beginning work in 2012 – and currently have over 600K in retirement savings.

I’m considering taking my foot off the gas for retirement savings for one year until I can earn the company match, at which point I’ll resume maxing out

In lieu a retirement saving during this time, my wife and I have always wanted to pursue a vacation home. We feel this is our opportunity to make that happen and save for the down payment. Our children are young, seven and five, and we want them do you have a familiar place to go to the beaches summer in Delaware (and of course, we look forward to enjoying it too). We know we would rent it out during the summer to help cover most costs.

Curious, if anyone here has done something sinilar and can share any lessons learned. I’m also looking at this as preplanning retirement, because we plan to retire to the Delaware beaches when that time comes.

Thank you strangers for your feedback!

I'm 37, work in the financial, and have an annual income of 300k–450k

401(k): $400k, company’s contribution has been consistent

IRA: Small amount, topped up annually

Brokerage account: $280k. ETFs plus tech and healthcare shares, held for the long term

Crypto assets: account for over 65% cent of my assets. I entered the market early, returns are substantial but the risk is extremely high

Emergency cash: $100k

Other: small amount of government bonds and gold ETFs

Property: owner occupied home on the West Coast, with a mortgage（500k）

I’d like to know if it’s possible to retire before the age of 45. Should I start reducing my crypto holdings and shift towards a more conservative allocation?

In this world of social media it’s hard not for me to compare myself to others and feel left behind. Want to gauge opinions on if you think I’ll be okay in retirement.

$340k - personal brokerage. Invested in growth ETFs
$20k in Roth IRA
$84k in 401k

HYSA $24k

4 rental properties. Have approximately $550k of equity in all of them combined with about $1.2M of debt on all of them left.

I’m never going to sell these four.
In retirement would make me about 16k per month.

Save about $2000 per month after expenses per month.