<prompt> Human: I have a relatively unique incomeexpenses situation. Im 21, married, wife is currently finishing an internship that should result in a job on the back end. She also pulls in a fair bit from her art business. For a couple of 21 year olds, were running at a large excess. Heres our current setup: Expenses:800 rent500 groceries320 car payments250 insurance200 gas50 horse feed400 going outIncome all figures are monthly: 4962 - My base income Salary1380 - Average income from wife over the past 6 months doing freelancing under the table1153 - Average overtime taken over the past 3 months500 - Typical bonus averaged for the month typically 1500 after taxes each quarter.200 - Monthly bonus for being on call2650 - Expected new income from her job once internship is finishedWere currently running at about a 5700 excess per month, and were expecting to be closer to 8400 once she gets her new job. Im already maxing my 401k, and tbh I dont think I need much more than that retirement-wise 25,125 after match per year. Recently weve just been kinda blowing money. We bought our friends a vacation so they could come with us for the second leg of our honeymoon. I might want to pay off our cars would take 2 months, but theyre low interest. I guess at what point is investing for retirement enough? Based on the calculator provided by the investment company I have, assuming 401k limits dont change at all, Ill have about 9 million in the bank by the time Im 65. We dont have any debt other than our cars.  <response>: One thing you could do is start reporting and paying taxes on that under the table income, instead of breaking the law and effectively stealing from people who pay all their taxes.I can understand people who are barely getting by not reporting their income, but sounds like you have plenty of excess money and are still cheating on your taxes. Unless I misunderstood what you meant by under the table. 