<prompt> Human: Hello, rpf,Im in my early 30s, no debt, and single. I save more than 50 of my take home pay, around 36-40 of my gross pay. Part of this goes into retirement savings and part goes into a personal investments account. Ive successfully avoided lifestyle creep so that at this point Im basically living like someone earning half of my salary without feeling like Im missing out on much. I still go out to eat from time to time, participate in hobbies, travel, and live a pretty damn good life.Heres my concern. I have no idea if Ill ever end up ever getting married, having a family, or buying a house. I just dont know. Every financial guide Ive read goes into great details about mortgages and marriage and saving for childrens education. I am not in a relationship and have no reason to think I will be in the future, but its something I would like if the right person came along. My question is, how do I plan for this? Should I be putting some money in a 529 in case I do have a kid? It seems very hard to predict my expenses given the uncertainty and I would feel silly if I set side a portion of my savings for a hypothetical family that I never end up having. I havent seen this covered anywhere so forgive me if this seems really obvious.Thanks for any advisewisdom you can share!  <response>: I would max all your tax advantagedretirement accounts. Then put the surplus in a taxable account. I wouldnt worry about a 529 or anything else. Just keep saving your money. If you end up starting a family, you can divert some of your cash flow to the 529.The house is a different animal. There are a million calculators, I would use them. However, I still think it is a personal decision, if you want and value a house, buy one. To me I think it makes sense to own when you will own for 5 years. 