<prompt> Human: Wife and I are currently making 110k combined, with no oustanding debts. Our only major expense is 1,800mo rent. However, when we actually enter our careers in 5 years, our combined will jump to 600k starting, but we are unsure of how to plan for this. I am more comfortable spending freely currently, and would like to forego some savings to live lavishley and perhaps beyond our current means. Wife on the otherhand wants to max out Roths, but I feel the 55k well end up contributing to Roths in this time period will end up being a drop in the bucket in the future... Any advice on what to do in these years as we plan to start our careers?  <response>: Saving 11k a year to your roths on a 110k income should be more than doable. Id also think it would be a nice peace of mind cushion if either one of you want to take time off from working to have kids, or for any other reason. 